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| Visa Type | TERM | APR |
| Visa Platinum | No Annual Fee | variable rate as low as 9.75% |
Your Annual Percentage Rate may vary with the market based on the Prime Rate. Variable rates are indexed to the CitiGroup Prime Rate as quoted in the Wall Street Journal as of the 25th day of each preceding month, effective the 1st day of the following month. The rate for purchases, cash advances, and balance transfers is determined monthly by adding 6.5% to the CitiGroup Prime Rate as quoted in the Wall Street Journal as of the 25th day of each preceding month, effective the 1st day of the following month.