Visa Classic

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The Visa Classic credit card's simplicity, flexibility, and low interest rate make it a popular choice. It is the perfect card if you are looking to build your credit while keeping your balance to a minimum. The Classic Card comes with a spending limit up to $5,000 and you can choose from the following options:

  • Cash Back with No Annual Fee
    • Get up to 1% cash back on your total yearly purchases.
    • Rebate is paid annually and is automatically deposited into your savings account!
  • Low Rate ($15 Annual Fee)
  • No Annual Fee

Not sure which card to choose? Try our Credit Card Calculators!

When you choose Visa Classic, you enjoy these great benefits!

  • Personalized Design: Add your own picture to the card with Picture Perfect
  • Pick the Card that's Right For You: Choose no annual fee, low rate, or cash back options.
  • Travel Emergency Assistance: Get free services when you use the Visa Classic card, including medical or legal referrals and emergency ticket replacement.
  • Auto Rental Insurance: Free coverage for any damage to a rental car when you pay with the Visa Classic card.
  • Travel Accident Insurance: Free Accidental Death and Dismemberment coverage when you use the Visa Classic card to book your travel.
  • Credit Life Insurance: You get free credit life insurance covering the balance of your card.

Current Cardholders:

  • Call 1-800-999-3961 to switch to the Cash Back option on your Visa Classic card.
  • Activate a new card: Call 800-562-1337 (24 hours, 7 days) from your home phone or 843-871-5095 from International locations
  • Report a lost or stolen card: Contact the Visa department at 800-999-3961
  • Increase your limit: Complete our online loan application
  • Ensure the use of your card before traveling: Contact the Visa department before traveling
  • Dispute a Visa purchase: Fax signed dispute forms to 801-827-8089 for processing

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Today's Rates

Loans Mortgage Visa Savings
Type F/V Term APR
Auto Fixed 5 years 5.24%
Auto Variable 5 years 4.49%
RV Fixed 10 years 7.00%
Rates Effective November 01, 2009
Mortgage Rates
Type Rate APR
15 Year Fixed 4.5% 4.6038%
30 Year Fixed 5.125% 5.1864%
Rates Effective November 03, 2009

Mortgage Payment Example

Home Equity Rates
Type F/V Term Rate
80% Standard Closed End Term Fixed 10 Yrs 6.49%
80% Standard Line of Credit/Line Plus Variable N/A 4.75%
Rates Effective November 01, 2009

HE Payment Example

Type   APR
platinum rewards or cash back Variable 8.25%
classic no annual fee Variable 10.50%
classic low rate Variable 9.50%
classic cash back Variable 12.15%
Rates Effective November 01, 2009
Certificate Rates
Type APY
12 Month Flexible 1.25%
3-5 Months 0.75%
6-11 Months 1.05%
12-23 Months 1.35%
24-29 Months 1.60%
30-35 Months 1.85%
36-47 Months 2.10%
48-59 Months 2.35%
60 Months 3.10%
Rates Effective November 01, 2009

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