Value and pricing

• No annual fee
• 0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 months
• All payments you make will be applied to the lowest APR balances first
• No fees on introductory balance transfers
• At the end of every year, we'll calculate your total interest charges paid and write you a check for 10% of that amount

Platinum benefits

• Online Banking service
• Total Security Protection^®, our free package of security features, including zero liability from unauthorized card use if you notify us promptly
• Travel and emergency assistance
• Automatic auto rental insurance
• Purchase Replacement
• Purchase Guard
• Convenience checks at no extra charge
• Additional cards at no extra charge
• Bilingual (English/Spanish), Braille and large-print credit card statements available upon request