Product Information

(Min. $1,000 - Max $25,000)

Applicant Information

No P.O. boxes allowed
( ) -
( ) -
( ) -
Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Co-Applicant Information

No P.O. boxes allowed
Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Balance Transfers

No Balance Transfer Fees! Please transfer the amounts(s) from the Creditor(s) and account number(s) listed (in order of preference) below to my new account. (Minimum balance transfer amount is $1,000)

from Credit Card
from Credit Card
from Credit Card

Balance transfers will be processed upon approval of your application. Please allow up to 3 weeks after your application is approved and you have received your Valley Visa Select Credit Card for your balance transfer request(s) to be processed.

Please read this Important Initial Disclosures statement (the "Statement"). Please print this Statement for your records. If your application is approved, you will receive a Valley Visa Cardholder Agreement with your card.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

2.99% introductory APR for the first twelve (12) billing cycles, followed by an 11.99% introductory APR for the next twelve (12) billing cycles. After that, your APR will be 13.99%. This APR will vary with the market based on the Prime Rate.a

APR for Balance Transfers

2.99% introductory APR for the first twelve (12) billing cycles, followed by an 11.99% introductory APR for the next twelve (12) billing cycles. After that, your APR will be 13.99%. This APR will vary with the market based on the Prime Rate.b

APR for Cash Advances

11.99% introductory APR for the first twenty-four (24) billing cycles. After that, your APR will be 13.99%. This APR will vary with the market based on the Prime Rate.c

Penalty APR and When it Applies

26.99% this APR will vary with the market based on the Prime Rate.d The APR may be applied to your account if your minimum required payment is more than 60 days past due.
How Long Will the Penalty APR Apply? The Penalty APR will apply to your account unless you make the required minimum payment when due for six consecutive monthly billing cycles immediately following the date the Penalty APR is imposed.

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 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.

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

None.

  • Cash Advance

4% of the amount of each cash advance, but not less than $5 nor more than $95 per transaction.

  • Foreign Transaction

2% of the amount of each transaction in U.S. Dollars.

Penalty Fees

  • Late Payment

Up to $37.

  • Over-the-Credit Limit

None.

  • Returned Payment

$27.

Other Fees

  • Activity Fee

$.50 in each billing cycle in which there is a Cash Advance or Balance Transfer balance.

  • Lost/Stolen Replacement

$10 whenever we issue a replacement card, unless we reissue the card due to expiration, fraud prevention or technology update.

How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
Loss of Introductory APRs: We may end your introductory APRs and apply the Penalty APR if your minimum required payment is more than 60 days past due.
Prime Rate: Variable APRs are based on the Prime Rate of 5.50% as of January 1, 2019.
aWe add 8.49% to the Prime Rate to determine the Purchase APR.
bWe add 8.49% to the Prime Rate to determine the Balance Transfer APR.
cWe add 8.49% to the Prime Rate to determine the Cash Advance APR.
dWe add 21.49% to the Prime Rate to determine the Penalty APR.

Authorization and Acceptance: When you apply for this credit card, you agree to the following:

  1. You authorize us to obtain credit bureau reports and other information about you in order to verify your identity, determine your eligibility for credit, and manage or service your account. Before we approve you for an account, we will review your credit report and the information you provide with your Application Certificate to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may not receive a card.
  2. You will receive a Valley Visa Cardholder Agreement (the "Cardholder Agreement") with your card. By using the account or your card, you agree to the terms of the Cardholder Agreement.
  3. Payment Allocation: If your account has balances with different APRs, the amount of your payment equal to the minimum payment due will be applied to the balance with the highest APR before any payments are applied to balances with lower APRs. Any amount of your payment that is greater than the minimum payment due will be applied to the balances with the highest APR before being applied to balances with lower APRs. Payments received by 5 p.m. local time at our payment processing facility will be credited as of that day to your account.
  4. Changes to your Credit Card Account: Except for promotional and introductory APR's, we have the right to change the terms of your account and the Cardholder Agreement at any time in accordance with your Cardholder Agreement and applicable law. We will notify you of any change if required by applicable law.
  5. In order to be eligible for an account, you must be at least 18 years old, and a U.S. citizen or permanent resident alien residing in the U.S.

USA Patriot Act. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we must ask for your name, address, date of birth and other information that will allow us to identify you. We may also request your driver's license or other identifying documents, even if you currently maintain a banking relationship with us. Strict adherence to these regulations helps to protect both financial institutions and bank customers from criminal activity. Your cooperation is greatly appreciated.

Rates, Fees and Terms May Change: The terms and information included in this offer are subject to change. You may call us at 800-522-4100 for the most recent information. We are not responsible for the terms or availability of any of the benefits and services offered by Visa or any of its providers. Visa's Zero Liability policy applies to U.S. issued cards only; it does not apply to commercial card, ATM, or PIN-based transactions not processed by Visa.

Prime Rate: The "Prime Rate" means the highest Prime Rate published in The New York Times on the first business day of each calendar quarter (January, April, July and October). If there is an increase in the Prime Rate, the daily periodic rate and corresponding APR will increase, but the rates will never exceed the maximum rates permitted by applicable law.

Introductory Balance Transfer Terms: The first introductory balance transfer APR applies for the first 12 billing cycles to any balance transfers requested within the first 12 billing cycles, and the second introductory balance transfer APR applies for the next 12 billing cycles to any balance transfers requested within the first 24 billing cycles. The minimum balance transfer amount is $1,000. Each balance transfer will reduce your available credit. Please allow up to three (3) weeks for your balance transfer request(s) to be processed, and you will need to continue to make payments to your other accounts to keep them current until you have confirmed that the balance transfers have occurred. Balance transfers cannot be used to pay loan or credit card accounts at Valley, or any of its affiliates. We may decline to process any full or partial balance transfer request if the balance transfer and any related fees and finance charges would increase your account balance beyond your available credit limit. There is no grace period on balance transfers. If you fail to make a payment to Valley when due, we may terminate the introductory balance transfer APR and increase the APR on your account to the Penalty APR.

New York Residents: New York residents may contact the New York State Department of Financial Services at 800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.

Certification
I/we have read and agree to all of the pricing, terms, conditions, authorizations and disclosures provided in this application and certify that all information provided is true and correct to the best of my/our knowledge. I/we understand that you will retain this application whether or not it is approved. You are authorized to check my/our credit and employment history and to answer questions about your credit experience with me/us.