| Interest Rate and Interest Charges* |
|---|
| Annual Percentage Rate (APR) on Purchases, Balance Transfers and Cash Advances | 13.00% to 17.89% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
| Penalty APR and When It Applies | 17.89%
This APR may be applied to your account if you fail to make a required minimum payment within 60 days after the due date for that payment.
How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees |
| Annual Fee | None |
| Transaction Fees |
| Balance Transfer | Either $10 or 2% of the amount of each transfer, whichever is greater. |
| Cash Advance | Either $10 or 2% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction | None |
| Penalty Fees |
| Late Payment | Up to $25 |
| Returned Payment | Up to $25 |
| Over-the-Limit Fee | None |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
For additional information regarding how the margin and interest rate are determined, see your account agreement.
Information and rates accurate as of 5/1/2026. Subject to change. For further information call (763) 391-9494 or (800) 626-1448, email [email protected], stop by any branch location or write to: 9353 Jefferson Hwy, Maple Grove, MN 55369. Must be eligible for membership at TopLine. Membership is required to obtain a credit card.
*Only U.S. VISA consumer credit, debit and reloadable prepaid cards are eligible for this service.
**Insurance products are not federally insured by a Federal Government Agency, are not credit union guaranteed, are not a deposit and may go down in value. TopLine does not warrant, guarantee, or insure any product or service offered by any insurance company. TopLine and the insurance companies are separate entities. See your Platinum Benefits Package disclosure for further details. Or call the Toll-Free number on the back of your card or 1-800-VISA-911.
Platinum Visa, Platinum Rewards Visa and Reward Visa Signature Credit Card Agreement
Rewards Visa Signature Disclosure
Platinum Rewards Visa Disclosure
Platinum Visa Disclosure
Consumer Visa Benefits Package
Business Rewards Visa Credit Card Agreement
Business Rewards Visa Disclosure
Business Rewards Visa Benefits Package
symbol on the store’s checkout terminal, and tap it with your card.
