VERMONT Platinum Visa® Credit Card

With a low interest rate on local purchases, the biggest reward with the VERMONT Platinum credit card is the money you can save shopping locally. Not only do you save more, you make change, simply by banking when you support a local business. Traditional rewards cards may offer cash back, but not without higher interest rates. With our low-interest rate credit card, you’re rewarded in the form of greater savings when you carry a balance because you receive

  • a low standard interest rate of 12.75% APR, and
  • an even lower rate of 8.75% APR on Vermont-based purchases.

View Credit Card Agreement


ARE YOUR CREDIT CARD BALANCES OUT OF CONTROL?

If your debt has become overwhelming, it may be time to consolidate your credit card balances. Save money and simplify your monthly payments by transferring balances from your high-interest cards to the low-interest VERMONT Platinum credit card. Your balance transfers will earn the card’s lowest interest rate and you won’t pay any transfer fees. Here are some additional resources to help you take control:



HOW TO PAY DOWN CREDIT CARD DEBT

When it comes to reducing credit card debt, taking a systematic approach is best. Learn how to get started.



HOW TO SAVE MONEY & PAY OFF DEBT

Eliminating debt is the first step. Then it’s time to make smarter choices and start saving again.



FINANCIAL CALCULATOR

Trying to figure out how long it will take to pay off your credit card? Our financial calculator can help!

Used responsibly, credit cards can support your lifestyle without creating debt. Check out our resources for more information on how to spend, save, and eliminate debt so you can achieve your financial goals.


FEATURES

8.75% APR1 IN VT

Shop local and earn a low 8.75% APR1 on all Vermont-based purchases.

LOW INTEREST

Enjoy a low standard rate of 12.75% APR for out-of-state purchases.

NO HIDDEN FEES

You won’t pay a fee for cash advances, transfers, alerts, or annual membership.

LOW RATE ADVANCES

Cash advances get the same low APR as standard purchases (and no fee!).

LOWER RATE TRANSFERS

Need to consolidate debt? Balance transfers get the low 8.75% APR.

VISA CHECKOUT

Easily pay online at some of your favorite sites with VISA Checkout.

CARD ALERTS

Card alerts allow you to receive text or email notifications when your card is used.

ONLINE ACCESS

Check statements, make payments, and more 24/7 through Credit Card Online.

For more details on these benefit enhancements see the full VISA Card Guide to Benefits document or visit VISA’s website.


BENEFITS

Cell Phone Protection


If you charge your monthly cell phone bill to your VERMONT Platinum credit card, this benefit will cover the damage or theft of your cell phone up to $200 per claim and up to $400 per year.

Auto Rental Collision Damage Wavier

This benefit reimburses you for repairs/ replacement of a damaged rental vehicle due to collision, theft, or other physical damages not covered by the auto rental company or personal insurance.

Personal Identity Theft


In the event of personal identity theft, you will be reimbursed up to $5,000 for covered expenses incurred to restore your identity as a result of a Covered Stolen Identity Event2.

Travel Accident Insurance


You are covered with a $250,000 Accidental Death and Dismemberment insurance policy. This insurance pays a cash benefit in the event of a covered injury or death due to an accident.


RATES

Transaction Type APR
For Purchases 8.75% Vermont Based Rate1
or 12.75% Standard Rate
For Cash Advances 12.75% Standard Rate
For Balance Transfers 8.75% Vermont Based Rate

APR = Annual Percentage Rate and is effective as of 12/20/2018. APRs are variable and can change monthly. A Foreign Transaction fee of 1.00% of each transaction in U.S. dollars will be charged for purchase or cash advance transactions outside the U.S.

1 The Vermont Based Rate is contingent on, and applies to purchases identified by the state code used by the merchant’s processing system. All transactions processed by merchants with a Vermont state code and balance transfers will receive the Vermont Based Rate.

2 Covered Stolen Identity Event means the theft or unauthorized or illegal use of your name, transaction card account or account number, Social Security number, or any other method of identifying you.


Apply-now-cta
Our online loan application offers quick results, sometimes letting qualified applicants know of approval instantly.

If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into our Online Banking system. That way we can save you time by pre-filling the application with the general information we already have on file for you.






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