Visa® Credit Cards
Turn everyday purchases into opportunities to earn rewards when you open a Bank of Travelers Rest Visa® Credit Card. Not only will you enjoy a low interest rate on purchases, but your purchases will earn uChoose Rewards® points!
Visa® Cash Rewards Card
The Benefits of having a Visa Cash Rewards Card include:
No annual fee
An interest rate that is consistent with purchases, cash advances, and balance transfers
Online access to manage your Visa® Cash Rewards Card through our electronic customer service portal
Security features that protect you against unauthorized purchases
MyBTRmoney lets you control how your card is used
Acceptance at merchants and ATMs around the world
Earn uChoose Rewards® for purchases made using your Visa® Cash Rewards Card. With every dollar you spend, you'll earn one and a half (1.5) bonus points. Points can be redeemed for merchandise, gift cards, travel, or even cash
To begin the application process, you will need your Social Security Number (SSN), date of birth (must be 18 years of age or older), income information, and a valid physical address in South Carolina, North Carolina, or Georgia
Terms & Conditions
| Features | Interest Rates and Interest Charges |
|---|---|
| Annual Percentage Rate (APR)1 for Purchases | 17.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Balance Transfers | 17.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Cash Advances | 17.40% This APR¹ will vary with the market based on the Prime Rate.³ ⁵ |
| Penalty APR² and When It Applies | 22.90% This APR² will vary with the market based on the Prime Rate.⁴ ⁵ This APR may be applied to your account if your account is 60 days or more past due. How long will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. |
| How to Avoid Paying Interest on Purchases/ 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. |
| Minimum Interest Charge | None |
| 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 |
| Features | Fees |
|---|---|
| Annual Fee | None |
| Balance Transfer | None |
| Cash Advance | Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater (maximum fee $50.00) |
| Foreign Transaction | 2.00% of each transaction in U.S. dollars |
| Late Payment | Up to $25.50⁶ |
| Over-the-Credit-Limit | None |
| Returned Payment | None |
1. APR is determined by adding 9.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
2. APR is determined by adding 16.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
3. Daily Periodic Rate .04767%
4. Daily Periodic Rate .06274%
5. Interest charges on cash advances begin to accrue on the day you obtain the cash advance or the first day of the billing cycle in which it
is posted to your account, whichever is later.
6. These dollar amounts may change pursuant to Section 37-3-203 and 37-1-109 of SC Code so to always be the maximum amount
allowed by law.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
The information about cost of the cards described in this disclosure is accurate as of February 8, 2025. This information may have
changed after that date. To find what may have changed, please call (864) 834-9031 or write: Bank of Travelers Rest, P.O. Box 1067,
Travelers Rest, SC 29690
By applying you certify that you have read and understand the terms & conditions
Visa® Platinum Rewards Card
The Benefits of having a Visa Platinum Rewards Card include:
No annual fee
An interest rate that is consistent with purchases, cash advances, and balance transfers
Online access to manage your Visa® Platinum Rewards Card through our electronic customer service portal
Security features that protect you against unauthorized purchases
MyBTRmoney lets you control how your card is used
Acceptance at merchants and ATMs around the world
Earn uChoose Rewards® for purchases made using your Visa® Platinum Rewards Card. With every dollar you spend, you'll earn one (1) bonus point. Points can be redeemed for merchandise, gift cards, or travel
To begin the application process, you will need your Social Security Number (SSN), date of birth (must be 18 years of age or older), income information, and a valid physical address in South Carolina, North Carolina, or Georgia
Terms & Conditions
| Item | Rate or Charge |
|---|---|
| Annual Percentage Rate (APR)¹ for Purchases | 11.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Balance Transfers | 11.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Cash Advances | 11.40% This APR¹ will vary with the market based on the Prime Rate.³ ⁵ |
| Penalty APR² and When It Applies | 18.40% This APR² will vary with the market based on the Prime Rate.⁴ ⁵ This APR may be applied to your account if your account is 60 days or more past due. How long will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. |
| How to Avoid Paying Interest on Purchases/ 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. |
| Minimum Interest Charge | None |
| 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 |
| Item | Fees |
|---|---|
| Annual Fee | None |
| Balance Transfer | None |
| Cash Advance | Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater (maximum fee $50.00). |
| Foreign Transaction | 2.00% of each transaction in U.S. dollars |
| Late Payment | Up to $25.50⁶ |
| Over-the-Credit-Limit | None |
| Returned Payment | None |
1. APR is determined by adding 3.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
2. APR is determined by adding 10.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
3. Daily Periodic Rate .03123%
4. Daily Periodic Rate .05041%
5. Interest charges on cash advances begin to accrue on the day you obtain the cash advance or the first day of the billing cycle in which it
is posted to your account, whichever is later.
6. These dollar amounts may change pursuant to Section 37-3-203 and 37-1-109 of SC Code so to always be the maximum amount
allowed by law.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
The information about cost of the cards described in this disclosure is accurate as of February 8, 2025. This information may have
changed after that date. To find what may have changed, please call (864) 834-9031 or write: Bank of Travelers Rest, P.O. Box 1067,
Travelers Rest, SC 29690
By applying you certify that you have read and understand the terms & conditions
Questions?
If you have questions about our Visa® Platinum Rewards Card or Visa® Cash Rewards Card, visit any branch within our branch network. Or you may contact our Customer Support Center at (864) 834-9031 or (888) 557-2265. Our Customer Support Center is available Monday through Friday, 8:00 a.m. - 6:00 p.m., and on Saturday, 9:00 a.m. - 1:00 p.m.
Already a Visa® Platinum Rewards Card or Visa® Cash Rewards Card customer and need to reach the uChoose Rewards® Customer Service Center? Simply dial (855) 235-4789.
Visa® is a registered trademark of Visa® International Service Association.