Thank you for your interest in an Ardent Visa Credit Card.

Please review our Visa Credit Card Disclosure and Agreements for the card that you're interested in applying for below before clicking the "continue" link at the bottom of this page to proceed with your online application.

Visa Consumer Credit Card Agreement
 

Visa Gold
Annual Percentage Rate (APR) for purchases as low as 10.96%
Other APRs Cash advance APR: as low as 10.96%
Balance transfer APR: as low as 10.96%
Variable rate information N/A
Grace period for repayment of the balance for purchases 25 days for purchases.
Method of computing the balance for purchases Average Daily Balance (including new purchases)
Annual fees None
Minimum finance charge None
Transaction fee for purchases None

Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00 

Visa Platinum
Annual Percentage Rate (APR) for purchases as low as 10.88%
Other APRs Cash advance APR: as low as 10.88%
Balance transfer APR:  as low as 10.88%
Variable rate information N/A
Grace period for repayment of the balance for purchases 25 days for purchases.
Method of computing the balance for purchases Average Daily Balance (including new purchases)
Annual fees None
Minimum finance charge None
Transaction fee for purchases None

Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00

Visa Classic
Annual Percentage Rate (APR) for purchases as low as 9.99%
Other APRs Cash advance APR:  as low as 9.99%
Balance transfer APR: as low as 9.99%
Variable rate information N/A
Grace period for repayment of the balance for purchases 25 days for purchases.
Method of computing the balance for purchases Average Daily Balance (including new purchases)
Annual fees None
Minimum finance charge None
Transaction fee for purchases None

Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00

Visa Secured
Annual Percentage Rate (APR) for purchases 17.90%
Other APRs Cash advance APR: 17.90%
Balance transfer APR:17.90%
Variable rate information N/A
Grace period for repayment of the balance for purchases 25 days for purchases.
Method of computing the balance for purchases Average Daily Balance (including new purchases)
Annual fees $25.00
Minimum finance charge None
Transaction fee for purchases None

Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00

By clicking continue (to continue onto your online loan application) I acknowledge that I have read and understand the disclosures listed above.

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