
Smart Option Credit Card
Our lowest available interest rate and no annual fee
Forget the Fees
Pay no annual fee and get our lowest interest rate.
Balance Transfer
Get an introductory offer and consolidate your debt.
Exclusive Discounts
Access offers and deals through Visa® Offers + Perks.
Big purchases, smart options
Manage your spending or consolidate higher interest rate balances on our lowest-rate card.
Card details and transaction fees
Balance transfers
0% introductory APRD for first 12 months, then a 7.99% to 18.99% variable APR,D each transfer is subject to a 3% fee (minimum $5)
Purchase rate
Variable 7.99% to 18.99% APRD based on creditworthiness, for purchases and balance transfers
Cash advances
Variable 21.99% to 24.99% APRD based on creditworthiness, each transaction is subject to a 3% fee (minimum $5)
Annual fee
$0
Foreign transactions fee
2% of each transaction in US dollars
Pay with your phone
Add your cards to your mobile device and pay securely with Digital Wallet.
Get alerts
Track your accounts and transactions with text and email alerts.
Pay your bills
Automate your bill payments with Digital Banking for extra peace of mind.
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Is a credit card balance transfer worth it? See how much you can save.
Access any of our card services from your phone
Temporarily lock your card
Report a lost or stolen card
Notify us if you're traveling


