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Rates

Current Rates

Rates are effective as of . For more information, call your local office. Rates may change after the account is opened. Fees may reduce the earnings on the account.
Interest Rates and Charges Visa Platinum Visa Platinum Preferred
Annual Percentage Rate (APR) for Purchases Introductory Rate 0.00% until 6 months, after that 6.99% to 21.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness. Introductory Rate 0.00% until 6 months, after that 4.99% to 7.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
APR for Balance Transfers Introductory Rate 2.99% until 6 months, after that 6.99% to 21.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness. Introductory Rate 2.99% until 6 months, after that 4.99% to 7.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
APR for Cash Advances 6.99% to 21.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness. 4.99% to 7.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
Penalty APR and When it Applies None None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases or balance transfers if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases or balance transfers if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00 If you are charged interest, the charge will be no less than $1.00
For Credit Card Tips from Consumer Financial Protection Bureau To learn more about factors to consider wihen applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore To learn more about factors to consider wihen applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Visa Platinum
Annual Percentage Rate (APR) for Purchases Introductory Rate 0.00% until 6 months, after that 6.99% to 21.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
APR for Balance Transfers Introductory Rate 2.99% until 6 months, after that 6.99% to 21.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
APR for Cash Advances 6.99% to 21.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
Penalty APR and When it Applies None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases or balance transfers if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
For Credit Card Tips from Consumer Financial Protection Bureau To learn more about factors to consider wihen applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Visa Platinum Preferred
Annual Percentage Rate (APR) for Purchases Introductory Rate 0.00% until 6 months, after that 4.99% to 7.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
APR for Balance Transfers Introductory Rate 2.99% until 6 months, after that 4.99% to 7.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
APR for Cash Advances 4.99% to 7.99% fixed. The APR that you may qualify at account opening will depend on your creditworthiness.
Penalty APR and When it Applies None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases or balance transfers if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
For Credit Card Tips from Consumer Financial Protection Bureau To learn more about factors to consider wihen applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees and Charges

The following summarizes the fees and charges associated with State Bank’s credit card program. All our cards feature No Annual Fees, No Balance Transfer Fees, and No Over-the-Credit-Limit fees.

Transaction Fees Penalty Fees Other Fees
Cash Advance
  • Either $5.00 or 3.0% of the amount of each transfer, whichever is greater. No maximum fee.
Foreign Transaction
  • Up to 1.0% of each transaction in U.S. Dollars.
 Late Payment
  • Up to $35.00 per item.
Returned Payment
  • Up to $35.00 per item.
 Pay by Phone
  • Up to $6.00 per transaction.
Transaction Fees
Cash Advance Either $5.00 or 3.0% of the amount of each transfer, whichever is greater. No maximum fee.
Foreign Transaction Up to 1.0% of each transaction in U.S. Dollars.
Penalty Fees
Late Payment Up to $35.00 per item.
Returned Payments Up to $35.00 per item.
Other Fees
Pay by Phone Up to $6.00 per transaction.

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). *An explanation of this method is provided in your account agreement.

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

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