Visa Classic

An excellent option for first-time cardholders with credit limits up to $3,000. Take advantage of the exceptional benefits, extra conveniences, and outstanding services available to you, and you'll agree this is the card for you!

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Summary
  • Up to $3,000 credit limit
  • Competitive variable interest rates
  • Annual fee waived with automatic withdrawal from or first mortgage at American Trust
  • Free online access for making payments, viewing statements and transactions, categorizing expenses, and more
  • No balance or cash advance fees
  • Cash advance available from banks and ATM’s worldwide
  • No annual fee first year.
  • Auto rental Collision Damage Waiver

Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa.

Terms & Conditions
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases

10.25%

Standard APR based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers

10.25%

Standard APR based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances

10.25%

Standard APR based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.
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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fees $15.00
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction 1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment $15.00
Returned Payment $25.00

How will we calculate your balance: We use a method called "average daily balance."  See your account agreement for further information regarding how we calculate your balance.

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

Prime Rate: Variable APRs are based on the 4.25% Prime Rate as of 6/15/17.

Margin: We add 6% to the Prime Rate to determine the Purchase, Balance Transfer and Cash Advance APR.

Disclosure Fees: Rush Card Fee - $30.00