Pinnacle Bank Visa Gold credit cardholders not only get a revolving line of credit at a low APR, they also get to pay the same rate on cash advances and balance transfers. According to the Federal Trade Commission’s “Facts for Consumers” guides, financial institutions that do not charge penalty interest rates cannot add on arbitrary fees after an account has been discharged. This means that Pinnacle Bank’s no default interest rate policy will prevent your credit card debt from increasing sharply if you should ever become unable to pay your debt.
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You do not need to have a bank account with Pinnacle Bank in order to apply for this credit card. All Pinnacle Bank Visa Gold cardholders are given access to online credit card bill payment and account information, which should make it more convenient for you to manage your expenses.
Pinnacle Bank Visa Gold Credit Card Rates
No annual membership fee is charged on the Pinnacle Bank Visa Gold credit card. All purchases and finance charges are calculated at 10.99% interest. Additional charges may be applicable if you choose to use your credit card in a foreign country, request a cash advance, or transfer another credit card’s balance to the Pinnacle Bank Visa Gold card.
Cash advance charges are 2% interest, in addition to the standard 10.99% APR fee. The fee is the same for balance transfers. Foreign currency fees amount to 1% interest.
Pinnacle Bank Visa Gold Credit Card Options
Pinnacle Bank does not provide consumers with details on available credit card designs.
There are no rewards that can be earned by using the Pinnacle Bank Visa Gold credit card.
Cardholders are not subject to default interest rates or penalties for carrying balances that are higher than their credit limits.
While accountholders have several credit card payment options, the pay-by-phone option can result in a $10 convenience charge. This fee will not be charged if you opt to use your keypad to make your credit card payment over the phone. Online credit card payments at Pinnacle Bank are also free.
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