Visa Affinity Card—Loras College

Visa Affinity Card—Loras College

Contribute to your alma mater without incurring any out-of-pocket expense. The Visa® Affinity card forwards a percentage of all purchases made with the card to Loras College. Of course, it's a Visa, which means worldwide acceptance and excellent service.


American Trust Credit Card Services


Summary
  • Available to students, alumni, parents, or friends of Loras College
  • Contribute to school with every purchase
  • Cards display the college name
  • Reliable, local service
  • Fixed annual percentage rate
  • Guaranteed no annual fee for first year
  • $15 annual fee for each year after can be easily waived*
  • 25-day grace period
  • Rental car discounts
  • Travel reservation services

*No annual fee first year. Renewal annual fee ($15) 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 Purchases9.250%

Variable rate is subject to change quarterly and is determined by adding 6.00% to the New York Prime Rate as published in The Wall Street Journal.

APR for Balance Transfers9.250%

Variable rate is subject to change quarterly and is determined by adding 6.00% to the New York Prime Rate as published in The Wall Street Journal.

APR for Cash Advances9.250%

Variable rate is subject to change quarterly and is determined by adding 6.00% 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

$15.00

Transaction Fees

 

Foreign Transaction

1.00% 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