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Visa Credit Cards

With a Waterfront Classic Visa you can expect:

  • Same low, FIXED rate of 9.90% APR for EVERYONE!*
  • Same fixed rate on purchases, cash advances and balance transfers
  • NO annual fee, NO balance transfer fee, NO over-limit fee
  • 25-Day grace period on purchases
  • Credit limit up to $25,000
  • Global acceptance at over 19 million merchants worldwide


Need a credit limit increase?

Use the apply for a credit card option within our online loan application system

To open a new Waterfront Credit Card:

Use the apply for a credit card within our online loan application system

Apply Today View Rates

Effective April 1, 2020*

Application and Solicitation Disclosure
Interest Rates & Interest Charges Classic
Annual Percentage Rate (APR) for Purchases 9.90%
APR for Balance Transfers 9.90%
APR for Cash Advances 9.90%
Penalty APR and When It Applies None
How to Avoid Paying Interest on Purchases 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
How will we calculate Your Balance We use a method called "average daily balance (including new purchases)."
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
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee 2.00% of the amount of each cash advance
Foreign Transaction Fee 2.00% of each transaction in U.S. dollars
Transaction Fee for Purchases None
Penalty Fees
Late Payment Fee Up to $25.00
Returned Payment Fee Up to $25.00
Over Limit Fee None

*On approved credit. Some restrictions may apply. Contact us for any changes that may have occurred since the effective date above at 800.423.1071. Click here for our VISA Credit Card Disclosure document.