Bank of Colorado Credit Card Disclosures

Interest Rates and Interest Charges
Visa Visa Gold
Annual Percentage Rate (APR) for Purchases
12.99%
Fixed
9.99%
Fixed
APR for Balance Transfers
12.99%
Fixed
9.99%
Fixed
APR for Cash Advances
12.99%
Fixed
9.99%
Fixed
Penalty APR and When it Applies None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and/or balance transfers on the transaction date.
Minimum Interest Charge None
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 Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Visa Visa Gold
Annual Fee
None None
Transaction Fees

  • Balance Transfer
  • Cash Advances
  • Foreign Transaction
 

2.0% of the amount transferred.

2.0% of the amount advanced ($2.00 minimum)

1.0% of each multi-currency transaction in US Dollars or 0.80% of each single-currency transaction in US Dollars

Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

Up to $15.00

None

None

Other Fees

  • Telephone Payment Fee

 

$10.00 per occurance if processed with a live representative. No charge if processed through the automated system.

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)". An explanation of this method is provided in your credit card agreement.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rites is provided in your credit card agreement.