It’s your choice and you win either way!

 

For a limited time get a promotional rate of 4.99% on Balance Transfers for 18 months!

 

Granite_Credit_Union_Visa_Credit

Fast, Fast Awards

  • Extra Awards Summary
  • No Annual fee
  • Earn More With Your Award Points
  • Get Advances to Pay off Other Cards

Rock Bottom Rate

  • No Annual Fee
  • Our Lowest Rate
  • 25-day grace period on all purchases

PLATINUM VISA

Effective: 01/01/2016

DETAILS OF RATE, FEE, AND OTHER COST INFORMATION

All account terms are governed by the Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time: all terms may change in accordance with the Agreement and applicable laws. View VISA Application Disclosure.

INTEREST RATES AND CHARGES
Annual Percentage Rate (APR) for Purchases

Visa Platinum Awards

9.24% to 18.00%
When you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

Visa Platinum

7.74% to 18.00%
When you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers Visa Platinum Awards
4.99% Introductory APR for a period of 18 billing cycles
After that your APR will be 9.24% to 18.00% based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.Visa Platinum
4.99% Introductory APR for a period of 18 billing cycles
After that your APR will be 7.74% to 18.00% based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances Visa Platinum Awards
9.24% to 18.00% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.Visa Platinum
7.74% to 18.00% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies Visa Platinum Awards
18.00%Visa Platinum
18.00%
This APR may be applied to your account if you:
– Make a late paymentHow Long will the Penalty APR Apply?
If your APRs are increased for this reason,
the Penalty APR will apply until you make six
consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases 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 at www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Balance Transfer Fee $0.00
Cash Advance Fee 1.50% of the amount of each cash advance ($2.00 minimum)
Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. Dollars
0.80% of each single currency transaction in U.S. dollars

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted to your account until after 18 billing cycles.
Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply to the Penalty APR if you are 60 days late in making a payment.
Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of January 1, 2016
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES:

Statement Copy Fee $2.00 per document
Document Copy Fee $15.00 per document
Rush Fee $30.00
Emergency Card Replacement Fee $5.00 per card
Card Replacement Fee $5.00 per card
Error Research Fee $25.00 per hour minimum of $25.00. Not charged if error occurred

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Cardholder Agreement and VISA Disclosure Statement.