Visa^® Credit Card

Members must be 18 years of age or older or otherwise eligible for lending services to apply. New lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.

¹ APR = Annual Percentage Rate. APR is the cost over the loan term expressed as a rate.
² The APR is 7.50% plus the Treasury Bill Rate. The Treasury Bill Rate is the 26-week Treasury Bill rate set at the first T-Bill Auction held each quarter and adjusted up to the nearest 0.25%. Because the Treasury Bill Rate is subject to change each quarter, the APR is as well. There is no minimum interest rate. The maximum variable APR for purchases and balance transfers is 18.00%. Cash Advances have a fixed APR of 18.00%
³ Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances.
⁴ Credit line increases are permitted for existing credit cards regardless of the state in which you reside.