GET DOWN TO BUSINESS WITH AN EXTENDED INTRODUCTORY PERIOD!

Get a special low 0% introductory APR* for 18 billing cycles on purchases and balance transfers.
Thereafter, a variable APR, currently 17.74%-28.74%*, when you apply for the Visa® Business Card.

Enjoy big savings with this card:
Pay down high interest balances
Save on interest
No Annual Fee

Easily add to your mobile device for simple, secure payments.
Make mobile purchases with compatible Apple®, Android® or Samsung® phones.

SEE HOW ZERO IS THE BEST RATE. APPLY NOW!!

 
 
* Disclosure of Credit Card Terms
Interest Rates and Interest Charges Visa® Platinum Card
Annual Percentage Rate (APR) for Purchases Platinum: 0% introductory APR for the first 18 billing cycles. After that,
17.74% to 28.74% based on your creditworthiness when you open your account.

This APR will vary with the market and is based on the Prime Rate.
APR for Balance Transfers Platinum: 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that,
17.74% to 28.74% based on your creditworthiness when you open your account.

This APR will vary with the market and is based on the Prime Rate.
APR for Cash Advances Platinum: 31.24%

This APR will vary with the market and is based on the Prime Rate.
Penalty APR and When it Applies Not applicable
How to Avoid Paying Interest on Purchases Your due date is 24 – 30 days after the close of each billing cycle. We will not charge you interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.
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 Visa® Platinum Card
Annual Fee
  • Annual Membership Fee
 None
Transaction Fees
  • Balance Transfer
 Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
  • Convenience Check Cash Advance1
 Either 5% of the amount of each advance or $5 minimum, whichever is greater.
  • Cash Advance ATM
 Either 5% of the amount of each advance or $10 minimum, whichever is greater.
  • Cash Advance
 Either 5% of the amount of each advance or $10 minimum, whichever is greater.
  • Cash Equivalent Advance
 Either 5% of the amount of each advance or $10 minimum, whichever is greater.
  • Overdraft Protection2
 $10
  • Foreign Transaction
 3% of each foreign transaction
  • Card ExtendPay Fees
 A monthly fee not to exceed 1.6% of the original principal amount in a Card ExtendPay Plan or Card ExtendPay Loan.3 This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance.
Penalty Fees
  • Late Payment
 Up to $41
  • Returned Payment
 Up to $41
  • Overlimit
 None
 
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.
The information about the costs of the card described in this application is accurate as of 01/2025. This information may have changed after this date. To find out what may have changed, call us at 1-800-558-3424 (we accept relay calls) or write to us at P.O. Box 6354, Fargo, ND 58125-6354.
1Not all products receive Convenience Checks.
2Not all products offer Overdraft Protection.
3Card ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors.


How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.


Fixed Payment Programs: From time to time we may offer to you the benefit of our Fixed Payment Program, Card ExtendPay, which allows you to pay off balances in fixed monthly payments over time. See your Cardmember Agreement for more information.