BEYOND Visa® Signature Rates

Rates effective
APR = Annual Percentage Rate

Interest Rates and Fees

Introductory APR

APR1

Purchases

0.00% for 6 billing cycles

15.24%–17.90%*

Balance transfers

1.90% for 12 billing cycles

15.24%–17.90%*

Cash advances

1.90% for 12 billing cycles

15.24%–17.90%*

Penalty APR2

17.90%

17.90%

Returned Payment Fee

Up to $25

Up to $25

Terms and Conditions (PDF)

*APR (Annual Percentage Rate) is based on an evaluation of creditworthiness, so your rate may vary. Credit approval required.

1 APR will vary with the market based on the prime rate.
2 The Penalty APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."Your due date is 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. 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.