Whether you’re making a purchase or transferring a balance, you’ll get this amazingly low rate. Our 9.99% APR is well below the average card’s rate, especially the average rewards card’s rate. Our Platinum VISA card is a ScoreCard Rewards card. So every time you use it for a qualifying purchase you’ll earn points you can redeem for merchandise and travel rewards and discount to wireless voice and data charges. Apply online today or call any office for an application. APR= Annual Percentage Rate.