Visa Classic

An excellent option for first-time cardholders with credit limits ranging from $500 to $5,000. Take advantage of the exceptional benefits, extra conveniences, and outstanding services available to you, and you'll agree this is the card for you!

Make online purchases quickly, easily, and securely. Learn how Visa Checkout can simplify your online payments.

Summary
  • Up to $5,000 credit limit
  • Travel accident insurance up to $200,000 (accidental death and dismemberment)
  • Competitive rates
  • Annual fee waived with automatic withdrawal from or first mortgage at American Trust
  • Free online access for making payments, viewing statements and transactions, categorizing expenses, and more
  • Up to $5,000 credit limit
  • No balance or cash advance fees
  • Cash advance available from banks and ATM’s worldwide
  • No annual fee first year. Annual fee waived with automatic payment from an American Trust checking account or if your first mortgage is with American Trust

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

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

9.50%

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 Transfers

9.50%

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 Advances

9.50%

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 balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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.consumerfinance.gov/learnmore
Fees
Annual Fees $15.00
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction 1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment $15.00
Returned Payment $25.00

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