AmeriClub Visa Gold Card

AmeriClub Visa Gold Card

Your AmeriClub member Visa® card comes with a lower interest rate and includes car rental discounts, worldwide emergency services, and a special reservation service. Use your Visa Gold card exclusively for AmeriClub trips, in addition to credit purchases or cash advances at over four million outlets worldwide.


American Trust Credit Card Services



Summary
  • Reliable, local service
  • Exclusively available to AmeriClub members
  • Trip payments only accepted with AmeriClub Visa Gold Card
  • Lower rate than Visa Classic card
  • Guaranteed no annual fee for first year
  • $20 annual fee for each year after can be easily waived*
  • 25-day grace period
  • Travel accident insurance
  • Optional life, disability, and unemployment insurance program
  • Reservation service
  • Car rental discounts
  • Worldwide emergency services

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

*No annual fee first year. Renewal annual fee ($20) can be waived with automatic payment from an American Trust checking account; OR if your first mortgage is with American Trust.

Terms & Conditions
INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases7.250%

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 Transfers7.250%

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 Advances7.250%

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 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 balace by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less then $0.00

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 website of the Consumer Financial Protection Bureau at http://www.consumersfinance.gov/learnmore

FEES
Annual Fee

$20.00

Transaction Fees

 

Foreign Transaction

1% of each transaction in U.S. dollars

Penalty Fees

 

Late Payment

$15.00

Returned Payment

$10.00

Other Fees

 

Other Fees

If 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