Visa® Platinum Credit Card
Consistently better

• Same low rate for purchases, balance transfers, and cash advances.
• No annual fee or balance transfer fees.
• No fee for cash advances or convenience checks.
• Full 25-day grace period.
• Visa Card Guide to Benefits
• Optional MemberPoints program lets you earn rewards on your purchases*
• Secured Visa® 

* Eligibility is based on your personal credit history. Upon qualification you will be able to enroll your Visa Platinum account in MemberPoints at your Annual Percentage Rate plus 2%.

                                                                                      

Secured Visa® Platinum  Credit Card
Establish or rebuild your credit

• No annual fee, no application fee.
• Build your credit rating.
• A Secured Visa card works just like any Visa card.
• Your credit line is based on the amount deposited into your special Visa savings account.

Convenient & Control
Monitor your spending, balances and limit.

• View account activity online in real-time.
• Track account activity and balance by email.
• Get cash from ATMs or financial institutions worldwide.
• Choose optional electronic statements.
• Pay recurring or one-time bills.
• Worry-free overdraft protection.

Security & Protection
Confidence every time you use your card.

• Online fraud protection with Verified by Visa.
• Zero Liability® shields you from unauthorized card use.
  
• No cost auto rental insurance coverage.
• No cost travel accident insurance.

Visa Credit CardMay 1, 2013
	APR1	Payment per thousand2
Visa Platinum Credit Card	8.49%	Varies
Visa Platinum Secured Credit Card	8.49%	Varies
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details. 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.