Visa® Credit Cards

Introductory Rates

Introductory Rates as low as 1.90% APR* on all purchases for six months.

Instant Card Issue***

Leave the branch with your new credit card!

***New Visa credit cards issued instantly when the account is opened at TwinStar branch locations only. Accounts opened via the TwinStar website or Contact Center will receive a new Visa credit card in 7-10 days via US mail.


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Apply online now, visit one of our 23 branches,
or give us a call at 1-800-258-3115.

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Other benefits

  • Platinum Rewards: earn points on every purchase towards merchandise, gift cards and travel. Get more details on the Platinum Rewards card.
  • Low ongoing rates
  • No balance transfer fees
  • More benefits for Platinum card holders: emergency assistance, extended warranty protection and more. Visit the Visa® web site for information about Platinum protection features.
  • Falcon fraud monitoring
  • Payment Protection
Visa Credit Card Interest Rates Effective Mar 10 2014
Title Credit Limit Introductory APR* Cash APR Purchase APR Balance Transfer APR Annual Fee Rewards
Classic $250 - and up 1.90% Fixed 14.00% Variable 11.00% Variable 8.00% Variable $0 none
Platinum $2500 - and up 1.90% Fixed 12.00% Variable 9.00% Variable 6.00% Variable $0 none
Platinum Rewards $2500 - and up 1.90% Fixed 13.00% Variable 10.00% Variable 7.00% Variable $25 Earn one point for each dollar in purchases.

* APR = Annual Percentage Rate. All rates based on approved credit.

Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 4 days past due will be charged $20.00
Lost Card Replacement Fee: $5.00

The fixed introductory rate applies to new purchases posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates.

Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year.

Download a printable disclosure/card agreement:

Looking for debit, ATM, or prepaid cards? See the Checking pages.