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Visa® Credit Cards

Choose the right PrimeTrust Visa® card for you

We offer three different options – Platinum Rewards, Cash-Back Gold, and Classic – so you can select the right credit card for your lifestyle, spending habits, and personal financial goals.

No matter which you choose, all our PrimeTrust Visa® cards include valuable perks, like a low, fixed APR, no annual fees, purchase protection, and free cash advances and balance transfers.

Apply Now  Current Rates 

 Credit Card Comparison

  Classic Gold Platinum Launch

Annual Percentage Rate (APR) for Purchases

12.9%

10.9%

9.9%

10.99%

APR for Cash Advances

12.9%

10.9%

9.9%

10.99%

How to Avoid Paying Interest on Purchases

You have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances. 

Minimum Interest Charge

none

none

none

none

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learning 

Maintenance and Setup Fees

NOTICE: Some of these set-up and maintenance fees may be assessed before you begin using your card and will reduce the amount of credit you initially have available.

Annual Fee

none

none

none

none

Additional Card Fee

none

none

none

none

Transaction Fees

 

 

 

 

Balance Transfer Fee

none

none

none

N/A

Cash Advance Fee

none

none

none

none

Foreign Transaction Fee

up to 1% of each transaction in U.S. dollars

up to 1% of each transaction in U.S. dollars

up to 1% of each transaction in U.S. dollars

up to 1% of each transaction in U.S. dollars

Penalty Fees

 

 

 

 

Late Payment Fees

up to $25 assessed fifteen (15) days after due date

up to $25 assessed fifteen (15) days after due date

up to $25 assessed fifteen (15) days after due date

up to $25 assessed fifteen (15) days after due date

Returned Payment Fee

up to $25

up to $25

up to $25

up to $25

Other Fees

 

 

 

 

Draft Copy Fee

$4

$4

$4

$4

Skip-A-Payment Fee

$25 (cardholder initiated, one per year)

$25 (cardholder initiated, one per year)

$25 (cardholder initiated, one per year)

$25 (cardholder initiated, one per year)

Statement Copy Fee

$1 per page

$1 per page

$1 per page

$1 per page

Card Center Phone Payment Fee

$3

$3

$3

$3

Replacement Card Fee

$10

$10

$10

$10

Five-Business Day Quick-Ship Card

$5

$5

$5

$5

Fed Ex Overnight Card

$25

$25

$25

$25

The minimum monthly payment is 3% of your total new balance but not less than $25 plus the amount of any unpaid prior payments due.  Payments of $10,000 or greater may not be part of your available credit for three (3) business days.  Your payment is due the 7th of every month.

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions)”.  See your account agreement for more details.

Billing Right: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Information contained in this Credit Disclosure is accurate as of 09/28/15 and is subject to change thereafter.  To obtain more recent information, please call us at 1-800-289-5939.

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