Visa Classic Card
Enjoy the best of both worlds; this internationally accepted credit card comes with local service. Use this basic Visa® for credit purchases or cash advances at over four million outlets worldwide.
- Summary
- Reliable, local service
- Competitive variable interest rate
- Guaranteed no annual fee for first year
- $15 annual fee for each year after can be easily waived*
- 25-day grace period
- Travel accident insurance
- Optional life, disability, and unemployment insurance program
Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa only please.
*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
Purchase APR: 9.25%
Cash Advance APR: 9.25%
Balance Transfers: 9.25%
Variable Rate Information: Variable rate is subject to change quarterly and is determined by adding 6% to the New York prime rate as published in The Wall Street Journal.
Method Of Computing The Balance For Purchases: Average daily balance (new purchases and cash advances).
Annual Fee: No annual fee for the first year. $15* each year after.
Grace Period For Repayment Of Balance For Purchases: New purchases on Statement; 25 days after the closing date on statement. Old purchases; none.**
Other Fees: Transaction fee for cash advances; none. Late payment fee; $15. Over limit fee; none.
*The renewal annual fee will be waived with an automatic payment from your American Trust checking account or with first mortgage at American Trust.
**Finance charges are assessed on cash advances from the date they are posted.
The information about the costs of the card described in this application is accurate as of 10/2010. This information may have changed after that date. To find out what may have changed, call us at 1-800-221-5920 or write us at PO Box 938, Dubuque, IA 52004-0938. Or email us.
I understand and agree to these terms and conditions.
Important Information About Procedures for Opening a New Account.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents before opening the account.
