person holding two credit cards

Low Introductory APR for Two Great Cards

Two great cards to choose from!

Whichever card you pick, you’ll enjoy these perks, and something extra:

  • 4.99%1 introductory APR for purchases and balance transfers made in the first 90 days of your account opening, which will remain in effect for nine months from the first transaction date.
  • $0 introductory fee for balance transfers
  • After the 90 days, access to our great low variable rates, currently 10.24% – 18% APR for new accounts, and a balance transfer fee of either $29 or 3% of the amount of each transfer, whichever is greater.

The extra:

  • Earn 20,000 bonus points when you open an Xceed Platinum Visa® Rewards Credit Card and spend $3,000 within the first 90 days.2
  • Earn a $200 statement credit when you open an Xceed Platinum Visa® Credit Card and spend $3,000 within the first 90 days.2

Apply now


1APR = Annual Percentage Rate. The introductory APR will apply to purchases, balance transfers, and convenience checks posted to your account within 90 days of account opening and remain in effect for nine months from the first qualifying transaction. The $0 introductory balance transfer and convenience check fee will apply to balance transfers completed, and/or posted to the account within 90 days of account opening. Offer only available for new credit card accounts opened after November 12, 2018. If you pay your statement’s “New Balance” in full by the due date, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your account in full without interest charges, but fail to pay your next “New Balance” in full, we will charge interest on the unpaid balance. For balance transfers and convenience checks, we will start charging interest on the transaction date. New credit card accounts are subject to credit qualifications and approval. Actual rates and loan limits are based on applicants’ credit score and verifiable income. Xceed Financial loan limits and underwriting guidelines will be followed. The current, standard (non-introductory) variable APR for purchases, balance transfers, and cash advances for new accounts is 10.24% – 18.00% for Visa® Platinum Cards (no rewards) and 13.24% – 18.00% for Visa® Platinum Rewards Cards, based on your creditworthiness, and are effective as of 1/23/19. In addition to the balance transfer fee, the following additional finance charges may apply, depending on the type of transaction: For cash advance transactions – a Cash Advance Fee – Domestic of $10 or 3% of the cash advance amount, whichever is greater or a Cash Advance Fee – Foreign of $10 or 4% of the foreign cash advance amount, whichever is greater; for foreign purchase transactions – a Foreign Transaction Fee – Purchases of 1% of each foreign transaction (in U.S. dollars). If you are charged interest, the charge will be no less than $1. Other terms and conditions apply. Programs, rates, terms and conditions subject to change at any time. Ask an associate for details.

2New accounts opened after April 2, 2018 only. Earn a $200 statement credit or 20,000 rewards points, depending on your card type, on qualifying purchases by spending $3,000 on your Xceed Credit Card within the first 90 days of opening. Subject to credit approval for qualifying purchases. Purchase requirements and exclusions may apply. Limit one statement credit per person. The following types of transactions don’t qualify as purchases to earn the $200 statement credit or 20,000 rewards points: convenience checks; balance transfers; cash advances and similar cash-like transactions; interest and account fees; unauthorized charges; and items returned for credit. Statement credit bonus is subject to change without notice. Statement credit will be applied to qualifying accounts in good standing within 4-8 weeks of promotion end date.

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