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