Visa Platinum Credit Card

State Bank And Trust Company, The

RegionalFixed rateCredit score 720+

Purchase APR

6.99–21.99%

Annual fee

None

0% intro

6 mo

0% transfer

2.99%

Foreign fee

Grace period

25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score

—

≤619

—

620–719

—

720+

13.99%

Lowest offered6.99%

Median13.99%

Highest offered21.99%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%

Median0%

Highest offered0%

Balance transfer APR

Promotional window: 6 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered2.99%

Median2.99%

Highest offered2.99%

Cash advance APR

No score

—

≤619

—

620–719

—

720+

13.99%

Lowest offered6.99%

Median—

Highest offered21.99%

Every fee on this card

Annual feeNone

Balance transfer feeNone

Cash advance feegreater of 3% or $5

Foreign transaction fee1%

Purchase transaction feeNone

Late fee$35

Over-limit feeNone

Minimum finance chargeNone

Balance computationAverage daily balance including new purchases

Additional fees

Returned payment$35

Pay by phone$6

Rewards, benefits and features

Rewards

Cashback rewards

Services

None reported

Features

Chip card

Who can get this card

AvailabilityRegional

StatesIN, MI, OH

Membership requirementsOpen to the public

Phone877-867-4218

Balance transfer calculator

Balance to move$5,000

Your current APR24%

Stay put — 6 mo at 24%$300

Transfer fee (0%)$0

Promo interest at 2.99%$37.38

You save$262.63

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.99% afterwards.

Cost to carry a balance

Average balance carried$3,000

Interest for a year at 13.99%$419.70

Annual / periodic fees$0

Total yearly cost$419.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by State Bank And Trust Company, The in the 2026 Q1 archive.