Visa® Credit Cards
It won’t undo your holiday spending. Just the high-interest part.
So you got a little crazy with your holiday spending. Well, you can bring some sanity to your credit card bills. Transfer your high-interest bank and retail card balances to a TwinStar Visa card with rates as low as 6.00% APR for balance transfers. And no balance transfer fees!*
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.
- 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.