Ready to get started? That's great news! Our SAFE Visa Platinum Rewards Credit Card comes complete with money-saving, life-improving benefits just for your lifestyle. Take a look below for more information.

Visa Platinum Rewards Credit Card Disclosures

(Effective April 2, 2020)

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases 0.00% introductory rate for the first 12 billing cycles after a new account is opened.
On the first day after 12 billing cycles from account opening, your APR will revert to
your approved rate, which will vary with the market based on the Wall Street Journal
prime rate.
Rates range from 8.99% – 18.00%* based on credit worthiness and prime rate.
APR for Balance Transfers 1.99% introductory rate on balance transfers for the first 12 billing cycles after a new
account is opened.
On the first day after 12 billing cycles from account opening, your APR will revert to
your approved rate, which will vary with the market based on the Wall Street Journal
prime rate.
Rates range from 8.99% – 18.00%* based on credit worthiness and prime rate.
APR for Cash Advances The APR for cash advances is 8.99%-18.00%*
This APR will vary with the market based on the Wall Street Journal prime rate and is
based on credit worthiness at the time of account opening.
Penalty APR and When It Applies The penalty APR is 18.00%. This APR may be applied to your account if you:
( 1 ) Make a Late Payment
(2) Go Over Your Credit Limit
(3) Make a Payment that is Returned; or
(4) Do any of the above on Another Account You have with Us.
How Long will the Penalty APR Apply? If your APRs are increased for any of these
reasons, the Penalty APR will apply until you make 6 consecutive minimum payments
when due; and you do not again default on these conditions during this time.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge
you any interest on purchases or cash advances if you pay your entire balance by the
due date each month. We will begin charging interest on cash advances and balance
transfers on the transaction date.
Minimum Interest Payment If you are charged interest, the charge will be no less than $0.01.
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://consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees Balance Transfer Fee: 2% of each advance with $10.00 minimum
Express Card Fee: $25.00
Receipt Copy: $2.00 per receipt
Lost or Stolen Card Replacement: $15.00
Statements: $2.00 per statement
Cash Advance Fee: 2% of each advance with $10.00 minimum
Foreign Transaction Fee: 1% of each international transaction in US Dollars
Research Fee: $10.00 per hour (2-hour minimum)
Pay by Phone: $5.00
Penalty Fees Late Payment Fee: up to $38.00 applied on any portion past due 3 days after due date
Over-the-Credit Limit Fee: $0.00
Returned Payment Fee: $25.00
 

Disclosures
Special introductory rates mentioned, including the 0% rate for the first twelve months and the 1.99% rate for balance transfers, are offered on purchases for the first twelve billing cycles after a new account is opened. Beginning on the first day of the 12 billing cycles after the account has been open, purchases and cash advances will be subject to the approved interest rate and any changes based on Wall Street Journal prime disclosed at account opening. *APR = Annual Percentage Rate are based on credit worthiness and prime rate. Your APR will vary with the market based on the Wall Street Journal prime rate. 
 
How We Calculate Your Balance
We use a method called the “average daily balance (including new purchases).” See your account agreement for more details.
 
Billing Rights
See your account agreement for information on your rights—i.e., how to dispute transactions and exercise those rights, among other things.
 
Security Interest
SAFE Federal Credit Union will acquire a security interest in the property purchased with your credit card. Collateral securing other loans with us may also secure this account. Also, you are giving us a security interest in all individual and joint share and/or deposit accounts you have with us now or in the future. The costs of these cards, as described in this application, are accurate as of April 2, 2020. This information may have changed—to get the most up-to-date information on costs, call 800-763-8600 or 803-469-8600, or write to SAFE Federal Credit Union at PO Box 2008, Sumter, SC, 29151-2008. To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.
 
* APR applicable to your account is determined by your credit worthiness based on your Equifax Beacon Score at the time of application. Variable Rate Feature: The Visa credit cards have a variable rate feature, meaning that the APR (corresponding to the periodic rate) and the term of your Visa loan may change due to interest rate fluctuations. The APR includes only interest and no other costs. Changes in prime rate will cause changes in the APR as of the first day of your account’s billing cycle following an index change. In no case shall any APR be less than 8.99% or higher than 18.00% regardless of the applicable index and margin, unless specifically applicable laws and/or regulations require we use a lower APR.

 

Simply click on the button below to apply online. It's the easy and safe way to start the process 

START NOW!