Visa® Classic Credit Card
Start building the credit you need to increase your future purchasing and borrowing power with a Visa Classic credit card.
Peak Visa cards all include:
Tap and Go Technology
Enjoy fast, secure, and touch-free payments. Simply tap your card at checkout—no swiping, inserting, or handing over your card. It’s the easy, safe way to pay wherever you see the contactless symbol.
24/7 Fraud Protection
Automatically monitors your Visa credit and debit card transactions for unusual activity. You'll receive text or phone alerts for suspicious transactions, helping to quickly identify and prevent fraud.
No Balance Transfer Fees*
With our Visa credit cards, you can move your existing balances without incurring any transfer fees, helping you save money as you consolidate and pay down debt.
Visa Classic rates & fees
| Purchase APR | 15.25% APR Variable |
| Introductory Purchase APR | 1.90% on purchases for the first 180 days* Standard Purchase APR applies after introductory period. |
| Balance Transfer APR | 12.25% APR Variable |
| Cash APR | 18.25% APR Variable |
| Annual Fee | None |
| Rewards | None |
| Starting Credit Limit | $250 - and up |
* APR = Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and account type.
Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 10 days past due will be charged $20.00.
Rewards details and restrictions subject to change.
Foreign Transaction Fee - Up to 2% of the U.S. dollar amount of the foreign transaction or $0.25 whichever is greater.
The fixed introductory rate applies to new purchases posted to a new consumer Visa® credit card account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates. The fixed introductory rate does not apply to the Shared Secure Visa Credit Card. Please review the terms and conditions of the account for details.
Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and account type.
For full printable disclosure Click here. A printable card agreement can be found here
Get a Classic Card
Find the right credit card for you
No matter where you are in your credit journey, Peak has the right card for you. Use the information below to learn about the three credit cards we offer and how they compare to each other.
Visa Classic
A card that’s ideal for those who want to build their credit and learn how to use credit cards responsibly.
Visa Platinum
With higher credit limits and even lower rates, this card is perfect if you already have established and strong credit.
Visa Platinum Rewards
If you like earning rewards like airline miles or gift cards, you can earn 1 point for every dollar you spend on this card.