DISCLOSURE

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The information about the costs of the card described in this application is accurate as of . This information may have changed after that date. To find out what may have changed, call us at 1-800-356-8085, write to us at PO Box 6139, Norman, OK 73070.

Personal Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0% introductory APR for 12 billing cycles from date of account opening.


After that, your APR will be 21.00% for VISA® Classic accounts; 17.15% for VISA® Gold accounts; or 14.15% for VISA® Platinum accounts based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

0% introductory APR for 12 billing cycles from date of account opening.


After that, your APR will be 21.00% for VISA® Classic accounts; 17.15% for VISA® Gold accounts; or 14.15% for VISA® Platinum accounts based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

21.00% for VISA® Classic accounts; 17.15% for VISA® Gold accounts; or 14.15% for VISA® Platinum accounts based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

None

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases 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 Charge

None

For Credit Card Tips from the Consumer 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 www.consumerfinance.gov/learnmore.


Personal Card Fees

Annual Fee

None

Transaction Fees


  • Balance Transfer

None

  • Cash Advance

Either $4 or 4% of the amount of each cash advance, whichever is greater

  • Foreign Transaction

1% of each transaction in U.S. dollars

Penalty Fees


  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

$20

$25

$25


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your Cardholder Agreement for more details. For existing cardholders, to request a copy of your cardholder agreement, please call us at (800) 356-8085 or write to us at PO Box 6139, Norman, OK 73070.

Balance Transfer: Minimum balance transfer amount is $250 per transfer.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.


Corporate Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.0% introductory APR for 6 billing cycles from date of account opening.


After that, your APR will be 11.99% variable for Elite* Corporate VISA® accounts or 15.99% variable for Premier* Corporate VISA® accounts based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

0.0% introductory APR for 6 billing cycles from date of account opening.


After that, your APR will be 11.99% variable for Elite* Corporate VISA® accounts or 15.99% variable for Premier* Corporate VISA® accounts based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

0.0% introductory APR for 6 billing cycles from date of account opening.


After that, your APR will be 11.99% variable for Elite* Corporate VISA® accounts or 15.99% variable for Premier* Corporate VISA® accounts based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Variable Rate Information

Your APR may vary. The non-introductory rate for purchases, cash advances and balance transfers is determined monthly by adding 6.99% for Elite Corporate VISA® accounts or 10.99% for Premier Corporate VISA® accounts to the highest U.S. Prime Rate published by the Wall Street Journal on the 10th day (or prior business day) of the prior month.

Penalty APR and When It Applies

None

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases 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 Charge

None


Corporate Card Fees

Annual Fees

None

Transaction Fees

  • Balance Transfer

None

  • Cash Advance

Either $4 or 4% of the amount of each cash advance, whichever is greater

  • Foreign Transaction

1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

$29

$29

$29


How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.

* Your application is a request for an account with either Elite or Premier Pricing. We will first consider you for the pricing with the lowest rates. We determine your APR based on a review of your application and credit history.

You must be at least 18 years of age to apply, and you must reside in the United States.

VISA® is a federally registered service mark of VISA U.S.A. Inc, used pursuant to license.