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Platinum | Platinum Rewards | Signature | |
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For you if you want to: | Build your credit. | Earn points for merchandise and travel. | A card that earns points for cash back, merchandise, travel, gift cards and account credit, plus a variety of other perks and benefits as part of the Visa Signature program. |
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 for balances transferred within the first 60 days of card opening | 2.90% APR+ for 12 billing cycles. After that the non-variable APR will be 10.90%-14.90%, based on creditworthiness. | 2.90% APR+ for 12 billing cycles. After that the non-variable APR will be 11.90%-15.90%, based on creditworthiness. | 2.90% APR+ for 12 billing cycles. After that the non-variable APR will be 13.90%-17.90%, based on creditworthiness. |
Rate | 10.90%-14.90% non-variable APR* | 11.90%-15.90% non-variable APR* | 13.90%-17.90% non-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 | $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 | Same as Platinum Rewards plus
2,500 bonus points when you spend $1,000 in the first 90 days. 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 April 1, 2024. 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 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.
^Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.
+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.