Visa Gold

Enjoy the purchasing power of Visa with this card that tells the world you are a preferred customer! Aside from first-class service and excellent rates, you'll receive special discounts on travel assistance, car rental, extended warranties and more. All with local servicing and easy online management access!

Summary
  • Minimum of $5,000 credit limit
  • Cash availability from more than 360,000 banking offices and ATM machines
  • Travel accident insurance up to $500,000 (accidental death and dismemberment)
  • Travel and emergency assistance services
  • Auto rental collision damage waiver
  • Warranty registration and extended warranty protection
  • Balance transfer options
  • Local servicing
  • Competitive rates
  • No balance transfer fee
  • No cash advance fee
  • Annual fee waived with automatic withdrawal from or first mortgage at American Trust
  • Access your account anytime anywhere, 24 hours a day and 7 days a week

Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa only please.

Terms & Conditions
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases

7.250%

Variable rate is subject to change quarterly and is determined by adding 4.00% to the New York Prime Rate as published in The Wall Street Journal.
APR for Balance Transfers

7.250%

Variable rate is subject to change quarterly and is determined by adding 4.00% to the New York Prime Rate as published in The Wall Street Journal.
APR for Cash Advances

7.250%

Variable rate is subject to change quarterly and is determined by adding 4.00% to the New York Prime Rate as published in The Wall Street Journal.
How to Avoid Paying Interest on PurchasesYour 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 balace by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less then $0.00
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fees$20.00
Transaction Fees
Foreign Transaction1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment$15.00
Returned Payment$10.00
Other FeesIf applicable, other fees will be listed below this line.

How will we calculate your balance?: We use a method called "average daily balace (including new purchases)." See your account agreement for more detials