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VISA Platinum Cash Rewards

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VISA Platinum Cash Back Rewards Credit Card Disclosure

VISA Platinum Cash Back Rewards Credit Card Disclosure

INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rates (APR) for Purchases 14.00% to 18.00%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 14.00% to 18.00%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 14.00% to 18.00%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 18.00% If your account becomes 60 days delinquent.
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be applied to your balances for a minimum of six (6) months or payment cycles.
How to Avoid Paying Interest on Purchases Your due date is approximately twenty-five (25) days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 at http://www.ConsumerFinance.gov/LearnMore.
Transaction Fees
Annual Fees None
Balance Transfer $0.00 or 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
Cash Advance None
Foreign Transaction Fees None
ATM Transaction None
Penalty Fees
Late Payment Up to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to thirty-seven dollars ($37.00). This applies to payments received after five (5) days from the due date.
Over Limit Fee (Opt In) Up to $15.00
Return Payment Up to $20.00
Other Fees
Card Replacement $10.00
Returned Statement You will be charged one dollar ($1.00) for each monthly billing statement that is returned.
Copies of Visa Transaction Receipts and Statements You will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit, Cash Advance, or of a monthly billing statement (except in connection with the resolution of a billing error).
How We Will Calculate Your Balance: We use a method called "average daily balance" (Including new purchases). See your account agreement for further information regarding how we calculate your balance.The above rates and fees are current as of October 8, 2018. The variable APRs are based on the current Prime Rate of 5.25%.
Cash Rewards Information: Your Members 1st FCU VISA Platinum Cash Rewards card will earn 1.0% cash rewards on all new qualifying net purchases (less credits, returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net purchases at eligible grocery merchants and gas merchants. Eligible grocery merchants are classified by standard industry codes (SIC) of 5411 and 5451. Eligible gas merchants are classified by standard industry codes (SIC) of 5541 and 5542. Each quarter (defined as January through March, April through June, July through September, and October through December) there is a limit of a total of $1,500.00 of the eligible SIC code merchants to receive the 2.0% cash rewards, after the $1,500.00 limitation for that specific quarter all applicable transactions will receive the standard 1.0% cash reward only. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with these SIC codes which will result in receiving only 1.0% cash rewards. Balance Transfers, Cash Advances, purchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your account become 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited.
Cash Rewards Redemption Options: Outline ScoreCard Rewards redemption options, minimum redemption amount $25.00, Non-Expiring Rewards, web site information, at ScoreCardRewards.com.
Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). The audio version of this disclosure can be heard by calling 1-800-309-1766.

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To reach our Card Services experts call:
(800) 283-2328, ext. 6035
 

Certificate Special Offer

APY**

Home Equity Freedom

APR*

Visa Balance Transfer

APR*

*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
 
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