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Visa Disclosure & Guide to Benefits

For additional features, visit the Visa Guide to Benefits.

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 10.40% - 18.50% 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 12.40% - 18.50% 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).

Set-up and Maintenance Fees

  • Replacement Card

$10.00 each

Transaction Fees
  • Balance Transfers
  • Cash Advance
  • Foreign Transaction


$10 per transfer 
$5 per cash advance item 
3% of each transaction in U.S. Dollars 

Penalty Fees
  • Late Payment
  • Returned Payment


Up to $25 
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

Business Visa Liability Waiver Form

Visa Business Cancellation Request Form

Visa Credit Business Program Outline

Visa Debit Business  Program Outline

This disclosure statement is accurate as of 1/26/17.  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.