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Platinum I'm A Patriot VISA®
Get the Credit Card with Spirit!
Because you have enough to worry about, the last thing you need to be concerned with is getting the best rate on your credit card. For all your major purchases and everyday expenses, Patriot's Platinum VISA® has a low interest rate, no hidden fees, and lots of benefits to stretch your budget!

Rates as low as 7.99% APR* on purchases and cash advances
No annual fee
No balance transfer fee
Low minimum payments - only $25 or 2% of balance, whichever is greater
Verified by VISA® online protection
25-day grace period



Credit Card Rates Competitors
Monthly Rates 7.99% 18.00%
Savings 10.01%

Merchant Fees for Patriot VISA® Credit Cards
As a result of a court settlement between retailers and VISA® and MasterCard®, merchants may pass along their payment processing costs to consumers who pay with a credit card. Beginning January 27, 2013 a merchant who chooses to exercise this surcharge, sometimes referred to as a "checkout fee," could increase your credit card purchase amount by as much as 4% (the maximum allowed). This surcharge is only applicable to credit cards only, not debit and pre-paid cards. Click here for frequently asked questions and answers on this topic.


Even More Great Benefits:

Warranty Manager Service
Auto Rental Insurance
Travel and Emergency Assistance
Travel Accident Insurance

Verified by VISA®
A secure way for all your online VISA card purchases.
» Click here for Debit Card
» Click here for Credit Card

Move Balances and Save
Consolidate and transfer high interest rate credit card balances to your Patriot Platinum VISA®. Most credit card issuers charge 3-5% or a fixed fee simply to move your balance, but at Patriot there is NO BALANCE TRANSFER FEE which saves you even more! Plus, you'll save money on interest, lower monthly payments and avoid the hassle of tracking multiple accounts.

Credit Card - $10,000 Balance Bank A
Transfer Fee Rate 0% 3%
Transfer Fee Amount $0.00 $300.00
Total Savings $300.00

Manage Your Account Online
With MyCardInfo, online account access is available whenever you need to check your balance, pay your bill or review recent transactions. It's a secure site so you can rest assured that your information is safe and you can manage your credit card account on your schedule 24/7.

Easy to Apply Today
With your variable rate Platinum I’m A Patriot Visa®, you'll be carrying the simple solution to your credit needs for all of your purchases. To apply, click here to download an application or call 888-777-9982. You can also apply online or download and fill out a balance transfer form and bring it to any Patriot branch office.


For credit card rates, fees and disclosures, click here!

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Platinum
7.99% to 17.99%
, when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured
12.99%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Platinum
1.99% to 7.90%
Introductory APR for a period of six (6) billing cycles based on your credit worthiness.
After that your APR will be 7.99% to 17.99% , based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured
12.99%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances Visa Platinum
7.99% to 17.99%
, when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured
12.99%
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 the close of each billing cycle. We do not charge you any interest on purchases if you pay your 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 Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
Foreign Transaction Fee

1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee
Returned Payment Fee

up to $25
up to $25

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Effective Date.
The information about the costs of the card described here is accurate as of January 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the credit union.


OTHER DISCLOSURES
Late Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less. If you are one (1) or more days late in making a payment.
Returned Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Rush Fee $35.00
Emergency Card Replacement Fee $60.00.
Card Replacement Fee $5.00
Pay-by-Phone Fee $5.00 by check
$10.00 by debit or credit card
Research Fee $25.00 per hour; $25.00 minimum



Toll Free (888) 777-9982
800 Wayne Avenue • Chambersburg • PA 17201
© 2014 Patriot Federal Credit Union