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Please read through these important disclosures, which contain additional information about rates, fees, and other costs, as applicable.

Visa®
Platinum Rewards

Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE (APR) for Purchases

0.00% introductory APR for the first 12 months from date of account opening.


After that, your APR will be 10.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0.00% introductory APR for the first 12 months from date of account opening.


After that, your APR will be 10.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

18.00% This APR will vary with the market based on the Prime Rate.

Penalty APR

None

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.

Minimum Interest Charge

None

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

Fees

Application Fees

None

Annual Fees

None

Transaction Fees

 

- Cash Advance

4.00% of the amount each cash advance, $10 minimum.

- Balance Transfer

3.00% of the amount of each balance transfer, $5 minimum.

- Foreign Transaction

2.00% of each transaction U.S. dollars.

Penalty Fees

 

- Late Payment

up to $25 for first violation, up to $35 for each additional violation during any six consecutive billing cycles

- Returned Payment

up to $25 for first violation, up to $30 for each additional violation during any six consecutive billing cycles

How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR if you make a late payment.

Contribution Information: For every Children's Miracle Network Hospitals - branded credit card account, Children's Miracle Network Hospitals receives 0.30% of all net retail purchases made with the card.

APR = Annual Percentage Rate

Rates shown in ANNUAL PERCENTAGE RATE above accurate as of 6/01/2013. The information may have changed after that date. To find out what may have changed, call us at 407.277.5045 or write us at 3075 N. Alafaya Trail, Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.