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Interest Rates

All rates effective as of 1/29/2023.

Subject to credit approval.
(1) Advertised Annual Percentage Rate (APR) may change without notice.
(2) VISA variable rates adjusted monthly based on The Wall Street Journal prime rate posted on the preceding 25th of the month.
(3) Promotional introductory rate of 3.90% APR applies to new Transparent accounts and new Platinum Rewards accounts. New accounts must be open prior to December 31, 2023 to be eligible for the promotional rate. Promotional rate is only applicable on purchases, balance transfers and cash advances for the first six months from the time the account is open. After that, the variable APR for the Transparent card will be 13.49% (Prime + 5.99%) and the variable APR for the Platinum Rewards card will be 16.24% (Prime + 8.74%). The APR for both cards will vary with the market based on the Prime Rate.

See our Introductory Rate Transparent Visa Card Agreement , our Introductory Rate Platinum Rewards Visa Card Agreement or our Business Visa Card Agreement .