Visa Classic

• Open for all qualifying applicants
• Intro Rate of 5.9% for the first 6 months
• Standard rate after intro: Prime* + 7.9%
• No Annual Fee
• 25-Day Grace Period for purchases. No grace period for cash advances.
• Visa Classic Benefits of rental car insurance

Visa Platinum

• Minimum Annual Income of $35,000 with a Minimum Credit Line of $5,000
• Intro Rate of 5.9% for the first 6 months
• Standard rate after intro: Prime* + 7.9%
• No Annual Fee
• 25-Day Grace Period for purchases. No grace period for cash advances.
• Visa Platinum Benefits of rental car insurance

MasterCard Gold

• Minimum Annual Income of $35,000 with a Minimum Credit Line of $5,000
• Intro Rate of 5.9% for the first 6 months
• Standard rate after intro: Prime* + 7.9%
• No Annual Fee
• 25-Day Grace Period for purchases. No grace period for cash advances.
• MasterCard Gold Benefits of rental car and travel insurance

Flex Miles/Platinum Visa

• Qualifications equal current Platinum requirements - If the applicant does not qualify for a Platinum we will review for Classic
• Intro Rate of 5.9% for the first 6 months
• Platinum rate after intro: Prime* + 3.9%, Classic rate after intro: Prime* + 5.9%
• $35 Annual Fee
• 25-Day Grace Period for purchases. No grace period for cash advances.
• Earn one point for each dollar spent up to 10,000 per month. Only 18,000 points needed to redeem.

Standard Fees for All Programs

• Late Fee: $29
• Over-Limit Fee: $29
• NSF Fee: $29
• Pay-by-Phone: $10
• Cash Advance Fee: 2% of the Cash Advance Amount, subject to a minimum fee of $2