Man and woman hiking looking at a creek

Classic Visa

For those in need of a basic credit card, the TwinStar Classic card is for you.

For those in need of a basic credit card, the TwinStar Classic card is for you. The Classic card is a great way to establish a solid credit score. Contact TwinStar Credit Union and we’ll help set up a Classic account for you that will lay the foundation for your future borrowing needs.

Classic Visa

Purchase APR

11.00% APR Variable

Introductory APR

1.90% for the first 180 days

Balance transfer APR

8.00% APR Variable

Cash APR

14.00% APR Variable

Annual Fee




Starting Credit Limit

$250 - and up

* 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

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.

For full printable disclosure Click here. A printable card agreement can be found here