Personal Credit Cards

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Products	Visa® Preferred Non Rewards	Visa® Preferred with Rewards	Visa® Preferred with Rewards Plus
At a Glance	For basic credit card use. 0% Introductory rate for 12 months on balance transfers and purchases.	A point-based rewards program. 0% Introductory rate for 6 months on balance transfers and purchases.	A point-based rewards program which earns more rewards in exchange for an annual $50 fee. 0% Introductory rate for 6 months on balance transfers and purchases.
Annual Fee	$0	$0	$50.00
Rewards	None	1.25 points for every net $1 of a qualifying purchase ^2,4 Redeemable for: Brand-name merchandise Travel awards Gift Cards Cash for a statement credit towards balance	1.50 points for every net $1 of a qualifying purchase ^3,4 Redeemable for: Brand-name merchandise Travel awards Gift Cards Cash for a statement credit towards balance
Rates	0.00% Introductory APR for the first 12 billing cycles. After the first 12 billing cycles, your APR will be 11.74% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Wall Street Journal Prime Rate.¹	0.00% Introductory APR for the first 6 billing cycles. After the first 6 billing cycles, your APR will be 13.74% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Wall Street Journal Prime Rate.¹	0.00% Introductory APR for the first 6 billing cycles. After the first 6 billing cycles, your APR will be 13.74% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Wall Street Journal Prime Rate.¹
Mobile Wallet	Yes	Yes	Yes
Visa Benefits	Yes	Yes	Yes

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