The Visa card with no Annual Fee plus

The Visa card with no Annual Fee plus...

0.0%

intro APR for purchases!
The intro APR applies for two or three billing periods after account opening, depending on account type; scroll down for important terms & conditions.

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$0 liability for unauthorized use
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See below for important
terms & conditions

Important Terms & Conditions

When you complete and submit your application, you will be considered for the following four accounts issued by A. I. Bank: A. I. Visa Platinum, A. I. Visa Gold, A. I. Visa Silver and A. I. Visa Classic. The specific account type you receive, if any, will be based on information you provide and/or information contained in your credit report. To view the terms for each account: either scroll down or click on the links below.

A. I. Visa Platinum

A. I. Visa Gold

A. I. Visa Silver

A. I. Visa Classic

A. I. Visa Platinum

Annual percentage rate ("APR") for purchases	0.0% for the first 6 monthly billing periods that your account is open ("Introductory Period")*. After that, 9.99% variable.
Other APRs	Cash Advance APR: 21.99% Balance Transfer APR: 1.9% during the Introductory Period; after that, 9.99% variable Delinquency APR: 19.99%. See explanation below*
Variable rate information	Your APRs for purchases and balance transfers may vary. These APRs are determined by adding 5.24% to the Prime Rate***
Grace period for purchases	At least 25 days if the New Balance is paid in full by the Payment Due Date.
Balance calculation method	Average daily balance (including new purchases).
Annual fee	$0
Minimum finance charge	$0
Cash advance fee: 3% of the advance ($5 minimum) Balance transfer fee: 3% ($5 minimum, $39 maximum) for each new balance transfer Late fee: $29 Overlimit fee: $29

* If we do not receive at least your minimum payment by the payment due date each month during the Introductory Period, the Introductory Period will end.

**If your payment is late (that is, we do not receive at least the Minimum Payment by the Payment Due Date) 2 or more times in any 6-month period, your APRs for purchases and balance transfers may increase to the Delinquency APR (but not during the Introductory Period).

***The Prime Rate used to determine your APRs for purchases and balance transfers is the Prime Rate published in the Wall Street Journal on the first business day of the previous calendar month.

Credit line: Your initial credit line will be $5,000. This credit line can be used for purchases, cash advances, and balance transfers. If you transfer balances from other lenders, you may qualify for a higher credit line (maximum $25,000), depending on your credit history, the information you provide, the amount you transfer, and your account balance at the time of the transfer(s). Payments will be applied first to finance charges and fees, then to purchases, then to balance transfers, and finally to cash advances.

Payment requests: If you request a single payment by phone or online from your personal checking account to your A. I. VISA credit card account, a $9.95 fee may apply.

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A. I. Visa Gold

Annual percentage rate ("APR") for purchases	0.0% for the first 4 monthly billing periods that your account is open ("Introductory Period")*. After that, 16.99% variable.
Other APRs	Cash Advance APR: 23.99% Delinquency APR: 25.99%. See explanation below**
Variable rate information	Your APRs for purchases may vary. The APR is determined by adding 12.24% to the Prime Rate***.
Grace period for purchases	At least 25 days if the New Balance is paid in full by the Payment Due Date.
Balance calculation method	Average daily balance (including new purchases).
Annual fee	$0
Minimum finance charge	$0
Cash advance fee: 3% of the advance ($5 minimum) Late fee: $15 on balances up to $100, $25 on balances of $100 up to $1,000, and $35 on balances of $1,000 and over. Overlimit fee: $29

* If we do not receive at least your minimum payment by the payment due date each month during the Introductory Period, the Introductory Period will end.

**If your payment is late (that is, we do not receive at least the Minimum Payment by the Payment Due Date) 2 or more times in any 6-month period, your APRs for all balances may increase to the Delinquency APR (but not during the Introductory Period).

***The Prime Rate used to determine your APR for purchases is the Prime Rate published in the Wall Street Journal on the first business day of the previous calendar month.

Credit lines: Your initial credit line will be $2,000, of which 20% or $100, whichever is greater, will be available for cash advances. Payments will be applied first to finance charges and fees, then purchases, and finally cash advances.

Credit line increases: Based on your credit performance and account use, you may earn automatic line increases at no extra cost. Additionally, you may receive offers of more credit for which fees of $29 to $99 may apply.

Payment requests: If you request a single payment by phone or online from your personal checking account to your A. I. VISA credit card account, a $9.95 fee may apply.

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A. I. Visa Silver

Annual percentage rate ("APR") for purchases	0.0% for the first 2 monthly billing periods that your account is open ("Introductory Period")*. After that, 19.99%.
Other APRs	Cash Advance APR: 23.99% Delinquency APR: 25.99%. See explanation below**
Grace period for purchases	At least 25 days if the New Balance is paid in full by the Payment Due Date.
Balance calculation method	Average daily balance (including new purchases).
Annual fee	$0
Minimum finance charge	$0
Cash advance fee: 3% of the advance ($5 minimum) Late fee: $15 on balances up to $100, $25 on balances of $100 up to $1,000, and $35 on balances of $1,000 and over. Overlimit fee: $29

* If we do not receive at least your minimum payment by the payment due date each month during the Introductory Period, the Introductory Period will end.

Credit line: Your initial credit line will be $1,000, of which 20% or $100, whichever is greater, will be available for cash advances. Payments will be applied first to finance charges and fees, then purchases, and finally cash advances.

Payment requests: If you request a single payment by phone or online from your personal checking account to your A. I. VISA credit card account, a $9.95 fee may apply.

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A. I. Visa Classic

Annual percentage rate ("APR") for purchases	1.9% for the first 2 monthly billing periods that your account is open ("Introductory Period")*. After that, 23.99%.
Other APRs	Cash Advance APR: 23.99% Delinquency APR: 27.99%. See explanation below**
Grace period for purchases	None.
Balance calculation method	Average daily balance (including new purchases
Annual Fee	$0
Minimum finance charge	$0
Cash advance fee: 3% of the advance ($5 minimum) Late fee: $15 on balances up to $100, $25 on balances of $100 up to $1,000, and $35 on balances of $1,000 and over. Overlimit fee: $29

* If we do not receive at least your minimum payment by the payment due date each month during the Introductory Period, the Introductory Period will end.

Credit line: You will have an initial credit line of $1,000. Initially, 20% of your total credit line or $100, whichever is greater, will be available for cash advances. After that, the amount available for cash advances may be adjusted depending on account performance and will be shown on your statement. Payments will be applied first to finance charges and fees, then purchases, and finally cash advances.

Credit line increases: Based on your credit performance and account use, you may earn automatic line increases at no extra cost. Additionally, you may receive offers of more credit for which fees of $29 to $99 may apply.

Payment requests: If you request a single payment by phone or online from your personal checking account to your A. I. VISA credit card account, a $9.95 fee may apply.

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Application Terms and Conditions

By applying for an A. I. Visa account, you acknowledge and agree that: (1) you are at least 18 years old; (2) all information you provide is accurate and complete; (3) your account will be used only for personal, family, or household purposes; (4) the issuer of your A. I. card, A. I. Bank ("we"), may check your credit information you provide; and (5) we may request credit reports in connection with this application and to review your account.

Upon request, we will tell you if we obtained credit reports and the name and address of any consumer reporting agencies that provided the reports. You authorize us to furnish information concerning your account to consumer reporting agencies and others who help service your account. When you use the account, you agree to be bound by the Account Agreement. The Account Agreement provides that disputes relating to the account are subject to binding arbitration. There are additional terms describing the features and benefits of your account which will be sent to you when you become a cardholder.

A married applicant may apply for credit in his or her name. An account may not be available to you if you or a member of your household already have a credit account with us.

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$0 Liability Policy

Shop worry-free online and offline. With our $0 liability policy you never pay a penny for unauthorized use of your card. Of course, if you allow someone else to use your card, you may be responsible for all their charges.

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