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Credit Card Comparison

	Visa Classic Low Rate	Visa Platinum Rewards	Select Visa Introductory Rate	Visa Gold Cash Back
	Product Agreement	Product Agreement	Product Agreement	Product Agreement
Rates, Fees, and Benefits
Intro Purchase APR	N/A	N/A	0.00% or 7.50%4 for 12 months **After that your assigned purchase rate will apply	N/A
Intro Balance Transfer	1.99%2 for 6 billing cycles **After that your assigned purchase rate will apply	1.99%2 for 6 billing cycles **After that your assigned purchase rate will apply	1.99% or 7.50%5 for 12 billing cycles **After that your assigned purchase rate will apply	1.99%2 for 6 billing cycles **After that your assigned purchase rate will apply
Purchase APR	7.25%, 10.25% or 13.25%1	9.25%, 12.25% or 15.25%1	7.50%, 9.50% or 11.50%1	9.25%, 12.25% or 15.25%1
Balance Transfer APR	7.25%, 10.25% or 13.25%6	9.25%, 12.25% or 15.25%6	7.50%, 9.50% or 11.50%6	9.25%, 12.25% or 15.25%6
Cash Advance APR	12.75%, 16.25% or 19.25%3	14.75%, 18.25% or 21.25%3	12.75%, 14.75% or 16.75%3	14.75%, 18.25% or 21.25%3
Balance Transfer Fee	2% of the transfer amount	2% of the transfer amount	3% of the transfer amount	2% of the transfer amount
Late Fee	Up to $35	Up to $35	Up to $35	Up to $35
Cash Advance Fee	5% (minimum fee $5, maximum $100)	5% (minimum fee $5, maximum $100)	5% (minimum fee $5, maximum $100)	5% (minimum fee $5, maximum $100)
Foreign Transaction Fee	2% of each transaction in U.S. dollars	2% of each transaction in U.S. dollars	3% of each transaction in U.S. dollars	2% of each transaction in U.S. dollars
Annual Fee	N/A	N/A	$35.00	N/A
Rewards	N/A	1 point for each $1 spent in qualifying purchases, Earn up to 17,000 bonus points in the first year	N/A	1% of each dollar spent in qualifying purchases.
Product Enhancements	Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services	SCORECARD® Bonus Point Rewards Program, Travel Accident Insurance, Auto Rental Collision Damage Waiver, Roadside Dispatch & Travel Emergency Services	Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services	SCORECARD® CashBack Rewards Program, Travel Accident Insurance, Auto Rental Collision Damage Waiver, Roadside Dispatch & Travel Emergency Services
Shopping Bonus	N/A	ScoreMore™ Earn Bonus Points - 2X, 3X, 4X or more at participating retailers online and in-store	N/A	N/A
Online Access	FREE	FREE	FREE	FREE

1. Purchases APR- Variable Rate based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

2. Balance Transfer APR - This Rate will not change during the introductory period. Applies to balance transfers processed within three months of the account open date. After that, your APR will be the same as your assigned purchase rate, based on your credit worthiness; this APR will vary based on the Prime Rate.

3. Cash Advance APR - Variable Rate based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

4. Intro Purchase APR - Variable Rate based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

5. Intro Balance Transfer - Variable Rate based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

6. Balance Transfer APR - Variable Rate based on your creditworhtiness. This APR will vary with the market based on the Prime Rate.