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VISA Disclosure & Guide to Benefits

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For additional features, visit the Visa Guide to Benefits for members and VISA Commercial Guide to Benefits for business members. You can also always view the most current VISA Credit Cardholder Agreement.

All fees and charges are subject to change at any time, with proper advance notice.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers 5.90% APR introductory APR for six (6) months

After that your APR will be 10.15% - 18.25% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate and your creditworthiness.
APR for Cash Advances 12.15% - 18.25% APR
This APR will vary with the market based on the Prime Rate and your creditworthiness.
Penalty APR and When it Applies 19.99% APR
This APR may be applied to your account if you become three (3) billing cycles past due.

How Long Will the Penalty Rate Apply?:  If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments by the payment due date.
 
How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases/balance transfers if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB).
Fees
Set-up and Maintenance Fees
Replacement Card $10.00 each
Transaction Fees
Balance Transfers $10.00 per transfer
Cash Advance $5 per cash advance item
Foreign Transaction 3% of each transaction in U.S. Dollars
Penalty Fees
Late Payment Up to $25
Returned Payment Up to $26

How we will calculate your balance:  We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you are three (3) billing cycles past due.

Documentation Fee:  $2.00 per item.

VISA Business Forms

This disclosure statement is accurate as of 1/5/17.  This information may change after that date.  To find out what may have changed call 316.265.3272 or 1.800.256.8049, or write to Credit Union of America, PO Box 47528, Wichita, KS  67201-7528.