JetStream Federal’s Visa Credit Card Programs are tailored to fit your lifestyle, providing you with the flexibility to handle credit the way you want and with a wide range of benefits to save you money.
Preferred Learn More |
Business Learn More |
Secured Learn More |
Classic Learn More |
Low Annual Percentage Rate – rates as low as 12.15% with Preferred Card and No Annual Fee or Balance Transfer fee
Online account access – you can manage your Visa Credit Card through Home Banking and Credit Card Access Point. You can view your purchase history, statements and make your monthly payment online. Monthly e-statements are also available
Protection – with the added security of an embedded chip, your Visa Credit Card uses secure technology to better protect your card from fraud. Plus, Visa offers Zero Liability fraud protection, Free fraud monitoring, Travel and Emergency Assistance Services (Business Card), and Auto Rental Collision Damage Waiver
Alerts (text or email) – Set up alerts on your account for unauthorized purchases, account changes and due date reminders through our online Credit Card Access Point
Rewards Program – (Preferred Card/Business Card members only) The more you use your card, the more points you earn! Points can be redeemed for cash, unrestricted travel, merchandise, gift cards and your points don’t expire with a JetStream Federal Visa Card
Worldwide acceptance of Visa – Your JetStream Federal Visa Card is accepted worldwide at any location that displays the Visa logo
PREFERRED VISA/VISA/VISA SECURED
APPLICATION & SOLICITATION DISCLOSURE
Maximum Limits: VISA $20,000
Secured VISA $2,000
| Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases |
Visa Visa Secured |
APR for Balance Transfers |
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APR for Cash Advances |
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Penalty APR and When it Applies |
This APR may be applied to your account if you: |
| 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 interest on purchases if you pay your entire balance by the due date each month. |
| 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 Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | None |
| Transaction Fees • Balance Transfer Fee • Cash Advance • Foreign Transaction Fee |
None $10.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $100.00) 2.00% of each transaction in U.S. dollars |
| Penalty Fees • Late Payment • Over-the-Limit • Returned Payment |
Up to $37.00 None Up to $37.00 |
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” |
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Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
OTHER DISCLOSURES |
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| Late Payment Fee | $27.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less. |
| Cash Advance Fee (Finance Charge): | $10.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $100.00. |
| Returned Payment Fee | $27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less. |
| Card Replacement Fee | $10.00 |
| Pay-by-Phone Fee | $5.00 |
| PIN Replacement Fee | $2.00 |
| Rush Fee | $35.00 |