Visa® Credit Card
Low rates and no annual fee
With a low rate and no annual fee, SafeAmerica's Platinum Visa® Credit Card is a smart card to carry.
Benefits
- Low annual percentage rate
- No annual fee
- No balance transfer fee
- No cash advance fee
- No penalty "default" rate change for late payments
- Visa eStatements
- Protect your checking account from overdrafts
- Up to $1 million in Travel Accident Insurance
Zero Liability
With Zero Liability, shop for anything online or offline with absolutely no risk. Use your SafeAmerica Credit Union Visa credit or check card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your credit or check card or account information. With Visa's Zero Liability policy1, your liability for unauthorized transactions is $0!
1 Covers U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa.
Optional Benefits
Apply for a Credit Card
- No annual fee
- No balance transfer fee
- No cash advance fee
- Low annual percentage rate (APR)
- Visa eStatements
- No rate change for late payments
Verified by Visa®
Verified by Visa provides reassurance that only you can use your Visa card online.
Rates
| Visa Credit Card Rates Rates as of 6-1-18 | |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 9.90% – 18.90% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 9.90% – 18.90% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 9.90% – 18.90% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | None |
| Minimum Interest Charge | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| 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 www.consumerfinance.gov/learnmore. |
Final rate will be determined by your creditworthiness. VISA rates can change upon legally required notice to the cardholder.
| Visa Credit Card Transaction Fees | |
|---|---|
| Fees | |
| Set-up and Maintenance Fees Annual Fee Additional Card Fee |
None None |
| Transaction Fees Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee |
None None 1% of transaction amount if initiated in a foreign country or currency |
| Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee |
Up to $10.00 Up to $3.00 Up to $25.00 |
| Overdraft Protection Advance | $5 plus 1% of transaction amount if initiated in a foreign country or currency. |
