Vinton County National Bank

Visa Platinum® Credit Cards

Earn big rewards with your purchases.

With purchases using a Visa Platinum credit card at VCNB, you’ll earn generous points that you can redeem for travel, hotel rooms, movie tickets, merchandise, and even gift cards. With the UChoose Rewards program, each dollar you spend using your Visa Platinum credit card earns you one point. The points can add up quickly. Redeem your points and then choose from thousands of exciting products.

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When it comes to credit cards at Vinton County National Bank, you’ve got choices. Check out our rates and important details on our Visa Platinum and Visa Classic® credit cards

APR & Interest Visa Classic Credit Card Visa Platinum Credit Card
Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 15.9% 4.99% introductory APR for the first six months. After that, your APR will be 9.15%
Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 15.9% 4.99% introductory APR for the first six months. After that, your APR will be 9.15%
Annual Percentage Rate (APR) for Cash Advances 19.9%, after six month introductory APR of 4.99% 19.9%, after six month introductory APR of 4.99%
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. If you are charged interest, the charge will be no less than $0.50.
Transaction Fees Visa Classic Credit Card Visa Platinum Credit Card
Cash Advance $5.00 or 3% of the amount of each cash advance, whichever is greater $5.00 or 3% of the amount of each cash advance, whichever is greater
Balance Transfer None None
Expedited Payment $10.00 $10.00
Penalty Fees Visa Classic Credit Card Visa Platinum Credit Card
Late Payment Minimum payment due or $25, whichever is less, assessed on day of next statement billing Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment Minimum payment due
or $25, whichever is less
Minimum payment due
or $25, whichever is less

Lost or stolen cards

Report a lost or stolen Vinton County National Bank credit card by calling 1-844-334-3875

Balance Calculation
To calculate balance, we use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.

Billing Rights
Please read the Terms and Conditions provided in your account for information on your rights to dispute transactions and how to exercise those rights.

Variable Rate Determination
The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month's statement. APRs are current as of 4/1/2020 using a Prime Rate of 3.25%.

For more information and to learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.

Revised: April 1, 2020.

Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.