Establish good credit while enjoying the flexible spending power of Visa — and the service of your community bank.
- Flexible Spending Power
- Rewards Available
- Competitive Rates
- Fraud Monitoring
10% Introductory Annual Percentage Rate (APR) applies for the first twelve billing cycles from date of account opening. When this period ends, your APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal. APRs are currently between 12.24% to 22.24%, based on your creditworthiness. Your APR will vary with the market based on Prime Rate. Rates are accurate as of February 1, 2019 and are subject to change. We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date (for example, if your statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period that covers February 16 to March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 6.74% to 16.74%, based on your creditworthiness and for Cash Advances is 18.74%. If you make a late payment or make a payment that is returned unpaid during the introductory period, we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% or the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. See the card application for additional important disclosures, current terms, rates and fees. Subject to credit approval. This card is issued by TCM Bank, N.A.