Our State Visa Platinum Card
Introducing the Our State Visa® Platinum card, featuring four iconic images from Our State.
Show your pride, and reap the rewards.
With the no annual fee Our State Visa Platinum card* from NewBridge Bank, you can share your love of North Carolina wherever you go. Plus, earn rewards points for all of your purchases!
- Receive 5,000 bonus points just for opening your Our State Visa Platinum card.
- Earn 4 points for every dollar you spend with Our State.
- Earn 3 points for every dollar you spend with quarterly bonus merchants
- Plus, earn 2 points per dollar on all other purchases.
Redeem all those fast-growing points for great merchandise, travel, gift cards, and more!**
Additionally, the Our State Visa Platinum card offers highly competitive pricing and is issued by a local community bank headquartered in North Carolina!
|Our State Visa Platinum Card Cost Information|
|Annual Percentage Rate (APR) For Purchases||Prime + 3.50%***|
|Other APRs||Balance transfers – 0% Introductory rate for first six (6) months; After that the APR is Prime + 3.50%. This APR will vary based on the Prime Rate.
Purchases – 1.90% Introductory rate for first six (6) months; after that the APR is Prime + 3.50%. This APR will vary based on the Prime Rate.
Cash Advance and Convenience Checks APR is 19.00% Fixed.
|Variable APR NewBridge Bank’s Prime Rate||The variable rate is based on NewBridge Bank’s Prime + 3.50%. This APR will vary based on the Prime Rate.|
|How to Avoid Paying Interest on Purchases||On Purchases, you will have at least a twenty-one (21) day grace period which will be calculated from the statement closing date to the payment due date, if you have paid your previous outstanding balance in full. No interest will accrue on purchases, if payment in full is received by the due date each month. A finance charge will be imposed on Cash Advances and Convenience Checks from the posting date of the transaction.|
|Transaction and Other Fees||Cash Advances: 3.00% ($5 Minimum not to exceed $50)
Balance Transfers: 3.00% ($5 Minimum not to exceed $50)
Currency Conversion Fee: Exchange Rate plus 2%
|Penalty Fees||Late Fee: up to $25.00
Over Limit Fee: up to $25.00
|Minimum Payment Due||The minimum payment due is at least $10 or 3% (whichever is greater) plus any amount over your credit limit and all fees or unpaid minimum payments from previous statements.|
|For Credit Card Tips From the Federal Reserve Board||To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: www.federalreserve.gov/creditcard.|
** The Our State Visa Platinum rewards program is part of NewBridge Bank’s MyBridge Rewards program for debit and credit card holders. Please visit www.mybridgerewards.com to register your card and review a complete listing of the Terms and Conditions of the MyBridge Rewards program. Please note purchases earning 3 points for every dollar spent with Our State include only those purchases made directly with Our State for subscriptions or items bought through the Our State store. Purchases made with other third-party partners hosting Our State events will not earn 3 points per dollar spent.
*** After the introductory period the rate will be Prime + 3.50% or 10.00% whichever is greater.