| Platinum | Platinum Rewards | Signature EMV | |
| For you if: | You want a basic low rate card | You want a card that earns points for merchandise and travel, as well as a low competitive rate | You want a card that earns points for merchandise, travel, cash and gift cards, plus a variety of other perks and benefits as part of the Visa Signature program and features a competitive rate. |
| Earns Points | No | 5 points for every dollar spent at gas stations
3 points for every dollar spent at supermarkets and restaurants 1 point for every dollar spent on other purchases | 5 points for every dollar spent at gas stations
3 points for every dollar spent at supermarkets and restaurants 1 point for every dollar spent on other purchases |
| Intro Balance Transfer Rate | 2.90% APR+ for 12 billing cycles after that the variable APR will be 8.90%-12.90% | 2.90% APR+ for 12 billing cycles after that the variable APR will be 9.90%-13.90% | 2.90% APR+ for 12 billing cycles after that the variable APR will be 11.90%-15.90% |
| Rate | As low as 8.90% Variable APR* | As low as 9.90% Variable APR* | As low as 11.90% Variable APR* |
| Annual Fee | $0 | $0 | $0 |
| Balance Transfer and Cash Advance Fee | $0 | $0 | $0 |
| Minimum Credit Limit | $200 | $200 | $5,000 |
| Additional Perks | $200,000 Travel Accident and Baggage Delay Insurance
Emergency Card Replacement and Cash Disbursement | $500 Price Protection. Buy an eligible item with your card, find it advertised for less within 60 days of purchase, get reimbursed the difference
$500,000 Travel Accident and Baggage Delay Insurance $3,000 Trip Cancellation/Trip Interruption Insurance Emergency Card Replacement and Cash Disbursement | Same as Platinum Rewards plus
Visa Signature Concierge. From trip planning to finding a restaurant Travel and Emergency Assistance. Get help coordinating medical, legal, and travel services when you need them Roadside Dispatch. 24/7 emergency roadside assistance. |
*APR is annual percentage rate. Rates are in effect as of February 1, 2015. The 25-day grace period applies to new purchases paid in full before the due date; cash advances accrue interest from the date the advance is made. Visa rate is variable and subject to change semi-annually. Visa rate is subject to credit history.
Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount.
Points are not earned on cash advances, balance transfers, or convenience checks.
+APR is annual percentage rate. Balances must be transferred within 60 days of the new card being opened to qualify for the introductory rate. Current cardholders do not qualify.
