Man and woman in the woods by a stream

Visa Platinum Rewards

Earn rewards with every eligible purchase.

The Platinum Rewards card from TwinStar is designed for our members who want to earn rewards. Your rewards can be used for airline tickets with no blackout dates and few restrictions. Book hotel rooms and cruises, purchase merchandise and gift cards, and a whole lot more! Learn more. 

Platinum Visa rewards also comes with identity theft protection from NortonLifeLock. 

Your partner against identity theft.
No one can prevent all identity theft†, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly. 

To confirm eligibility, visit 

  No one can prevent all identity theft. 

Visa Platinum Rewards

Purchase APR

14.50% APR Variable

Introductory APR

1.90% for the first 180 days

Balance transfer APR

11.50% APR Variable

Cash APR

17.50% APR Variable

Annual Fee




Starting Credit Limit

$2500 - 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