Visa Classic Card

Visa Classic Card

Take advantage of the exceptional benefits, extra conveniences, and outstanding services available to you, and you'll agree this is the card for you.

American Trust Credit Card Services

Summary
  • Up to $5,000 credit limit
  • Cash availability from more than 360,000 banking offices and ATM machines
  • Travel accident insurance up to $200,000 (accidental death and dismemberment)
  • Balance transfer options
  • Local servicing
  • Competitive rates
  • No balance transfer fee
  • No cash advance fee
  • Annual fee is $15 (waived with auto-withdrawal from or first mortgage at American Trust)
  • Free online access for making payments, viewing statements and transactions, categorizing expenses, and more, via eZcard management)

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 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