Visa Signature - Redstone Federal Credit Union

Purchases will receive a 1.5% annual CashBack rebate. When merchandise is returned, the account credit will result in a reduction of the CashBack rebate. CashBack rebates will be calculated based on January through December monthly statements and will be deposited to the primary cardholder's savings account in January of the following year. To be eligible to receive the rebate, the credit card account must remain open. Balance transfers and cash advances do not qualify. Promotional CashBack offers may not be included in the annual CashBack rebate calculation. See offer for details. CashBack rebates are non-transferrable from one Redstone credit card account to another, except for lost and/or stolen credit cards. Contact RFCU® for more details about the CashBack rebate.

§Additional unlimited 1.5% CashBack Rebate offer on all purchases: Offer valid on purchases made within 90 days of account opening date. After 90 days only the annual 1.5% CashBack Rebate will apply.  When merchandise is returned, the account credit will result in a reduction of the CashBack rebate. The introductory CashBack rebate will be paid with the annual CashBack rebate in January of the following year. To be eligible to receive the rebate, the credit card account must remain open and current for the entire promotional period. Balance transfers and cash advances do not qualify. Other restrictions may apply.

Balance Transfers Introductory Offer: 0% Annual Percentage Rate will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. The standard variable Balance Transfer APR applies to Balance Transfers made after 30 days of account opening. Your introductory Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APR will revert to the variable Balance Transfer APR in affect at the time. Rates, Terms and Conditions are subject to change.

Important Information about ‘Grace Period’ for the Introductory Balance Transfers Offers for Visa Signature:
Balance Transfer 0% Introductory APR Offer:
Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable APR(s) for any remaining balances. Cardholders may accrue finance charges at the standard variable rate for Balance Transfers posted to the account after 30 days of an account open date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.

1In order for coverage to apply, you must use your covered Visa card to secure transactions. Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for further details. Visa’s Zero Liability policy covers U.S-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions.

2Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders behalf.

*As of July 1, 2016 , the annual percentage rates (APR) are as low as 8.75% for Visa Signature and may vary. APRs are based on creditworthiness at account opening. Must be an RFCU member to obtain a loan. Must be eligible for membership and open a share savings account to join RFCU. $5 minimum balance is required to open and be maintained in share savings account at all times. Must have online banking username and PIN/password to access online application. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.

**Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive discounts. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.

Visa Checkout is offered by Visa USA.