Platinum, Classic, and Secured Credit Cards
While the main benefit of obtaining credit Cards is the convenience, Ohio Catholic’s VISA Credit Cards offer much more.
| Platinum with Rewards | Classic with Rewards | Secured with Rewards | |
|---|---|---|---|
| Standard APR* | 9.99% | 8.99% -17.99% | 8.99% |
| Balance Transfer APR* | 9.99% | 8.99% - 17.99% | 8.99% |
| Cash Advance APR* | 9.99% | 8.99% - 17.99% | 8.99% |
| Default APR* | 9.99% | 8.99% - 17.99% | N/A |
| Credit Limits | $5,000 - $15,000 | $250 - $15,000 | Up to Pledged Savings Account Amount with a max of $15,000** |
| Grace Period on Purchases | 25 days | 25 days | 25 days |
| Method of Computation | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) |
| Minimum Payment | If balance is under $25 - balance amount. If balance is over $25 - the greater of $25 or 2% of the balance. | If balance is under $25 - balance amount. If balance is over $25 - the greater of $25 or 2% of the balance. | If balance is under $25 - balance amount. If balance is over $25 - the greater of $25 or 2% of the balance. |
| Annual Fee | None | None | None |
| Minimum Finance Charge | None | None | None |
| Transaction Fee - Balance Transfer | None | None | None |
| Transaction Fee - Cash Advance | None | None | None |
| Over-the-Credit-Limit Fee | N/A | N/A | N/A |
| Returned Payment Fee | $30 | $30 | $30 |
| Online Account Management | It's Me 247 | It's Me 247 | It's Me 247 |
| Score Card Rewards | Earn 1 point for every $1 in purchases | Earn 1 point for every $1 in purchases | Earn 1 point for every $1 in purchases |
| Verified by VISA Protection Available | Yes | Yes | Yes |
| Optional Insurance Available | Yes | Yes | No |
*APR= Annual Percentage Rate. APR for Platinum and Classic cards is based on your credit score. **Pledged Savings Accounts will continue to earn dividends.
Enroll in our Scorecards Rewards program and earn one point for every dollar in purchases. Points can be redeemed for gift cards, travel, or other merchandise. Enroll HERE
How to enroll in Scorecard Rewards and redeem your points:
- Create your profile so you can log into your rewards account
- View point balance, search and view awards, create wish lists, update your profile and more
- Redeem points online for merchandise and travel awards
- Use your cards for everyday purchases and watch your points add up quickly
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Equal Housing Lender