VISA® Credit Cards

Apply today for Peach State’s VISA® Platinum credit card and get 0% APR¹ for six months!

Peach State offers the VISA® Platinum and VISA® Student Platinum with REWARDS credit cards. Both have low rates, no annual fees.

Make the SMART choice for all your purchases with our VISA® Platinum Credit Cards!

  • 0% APR¹ for six months
  • Low rate
  • No annual fee
  • 25-day grace period on purchases
  • Free balance transfer option
  • Fee-free cash advances
  • Online security with Verified by VISA®
  • Auto rental collision damage waiver – secondary
  • Emergency card replacement
  • Emergency cash disbursement
  • Lost/stolen card reporting


We also offer REWARDS cards that include:

ScoreCard Rewards

CardCentives Premium

  • $1,000 identity theft reimbursement insurance
  • Identity theft victim assistance
  • Travel reservation service
  • Personal shopper
  • Extended warranty
  • 90-day product protection
  • Concierge services
  • Payment card registration
  • Price guarantee
  • Family medical information card
  • Learn more at www.mycardcentives.com


VISA® Student Platinum with REWARDS Credit Card

  • LOW 14.9% Annual Percentage Rate²
  • No annual fee
  • 25-day grace period
  • Free balance transfers
  • Fee-free cash advances
  • ScoreCard REWARDS: You’re automatically enrolled to earn one bonus point for every dollar spent in net retail purchases. Redeem the points for brand-name merchandise and travel rewards including air miles. Browse the store at: www.scorecardrewards.com
  • CardCentives Premium Level: This adds numerous extras including identity theft victim assistance and reimbursement insurance, 90-day product protection, concierge services and more.
  • VISA® Benefits: Auto rental collision damage waiver; secondary, emergency card replacement; emergency cash disbursement and lost/stolen card reporting
  • Protection – online security with Verified By VISA®
  • Check Credit Card Account Info online and sign up for paperless statements at www.ezcardinfo.com
  • Optional life and disability insurance available at low rates

Minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.

 

Please click here to report a lost or stolen Peach State VISA® credit card.

¹APR – Annual Percentage Rate. The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new VISA® credit card accounts only and may expire at any time; does not apply to account upgrades. If you are upgrading from a rewards card to a non-rewards card, then your points will expire at the time of the upgrade. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Member must qualify for and maintain an active Peach State checking account. Rates range from 6.9% to 14.9%. A $30 application fee is charged for processing. When the card is issued, the fee will be refunded back to your account.

²See the Fair Credit and Charge Card Disclosure below for Annual Percentage Rates. Peach State will determine card type and limit based on application information and credit history.

VISA® Contact Information
Card Member Services
Business Hours: 678.889.4328 or 855.889.4328
After Hours: 800.299.9842

Lost/Stolen VISA® Credit Cards
800.325.3678

Written Inquiries
VISA® Customer Service
P.O. Box 30495
Tampa, FL 33630

Payments
Nearest Peach State branch location or
VISA®
P.O. Box 31279
Tampa, FL 33631-3279

For any non-emergency issues, please contact Peach State at 678.889.4328 or 855.889.4328.

Sign up for purchase alerts for your VISA® credit card here.

Peach State VISA® Credit Card Disclosure

Interest Rates and Interest Charges
Platinum A+ no rewards Platinum A+ with rewards Platinum A with rewards Platinum with rewards Student with rewards
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness. 6.9% 8.9% 10.9% 12.9% 14.9%
APR for Balance Transfers 6.9% 8.9% 10.9% 12.9% 14.9%
APR for Cash Advances 6.9% 8.9% 10.9% 12.9% 14.9%
Penalty APR NONE NONE NONE NONE NONE
How to Avoid Paying Interest on Purchases Your due date is 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.
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
Platinum A+ no rewards Platinum A+ with rewards Platinum A with rewards Platinum with rewards Student with rewards
Annual Fee NONE NONE NONE NONE NONE
Transaction Fees
Balance Transfer NONE NONE NONE NONE NONE
Cash Advance NONE NONE NONE NONE NONE
Foreign Transaction 1% of the converted transaction amount 1% of the converted transaction amount 1% of the converted transaction amount 1% of the converted transaction amount 1% of the converted transaction amount
Penalty Fees
Late Payment $25 $25 $25 $25 $25
Over-the-Credit Limit NONE NONE NONE NONE NONE
Returned Payment $25 $25 $25 $25 $25
Other Fees $30 application fee refunded if approved $30 application fee refunded if approved $30 application fee refunded if approved $30 application fee refunded if approved $30 application fee refunded if approved

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” The information about the cost of the card described above is accurate as of November 2, 2015. This information may have changed after that date. To find out what may have changed since then or to obtain a copy of the Agreement, call 678.889.4328 or 855.889.4328.