Go with the card that suits your needs. Members may choose from the VISA Classic or Platinum. Whichever one is right for you, each one comes with numerous benefits. These include:
- No annual fee
- 25-day grace period on purchases
- ATM access at over 300,000 network
- Access your VISA account online
- Register for online protection through Verified by Visa
Here's another great feature you'll get with our VISA Platinum:
- Extended Credit Lines up to $20,000
Call us today to apply for your new Vida FCU VISA Platinum Card! (909) 983-1959, Option 2 or use our secure email form or apply now using our online loan application 24 hours a day, 7 days a week.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | Platinum: 8.48% APR** Classic: 11.88% APR** |
| APR for Balance Transfers | Platinum: 8.48% APR** Classic: 11.88% APR** |
| APR for Cash Advances | Platinum: 8.48% APR** Classic: 11.88% APR** |
| Paying Interest | 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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| 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 | |
|---|---|
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | 2% of the amount of each cash advance (minimum of $2.00,maximum of $10.00) |
| Cash Advance | 1% of each transaction in U.S. dollars (transactions made in foreign currency) |
| Foreign Transaction | 0.8% of each transaction in U.S. dollars (transactions made in foreign currency, billed in U.S. dollars) |
| Penalty Fees | |
| Late Payment | up to $25.00 |
| Over-the-Credit Limit | None |
| Returned Payment | up to $25.00 |
*On approval of credit.
**Annual Percentage Rate shown is our lowest rate available. All loans and loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate Shown.