Classic
With a Waterfront Classic Visa you can expect:

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

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Rates as low as 11.90% APR*
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Same FIXED rate on purchases, cash advances and balance transfers
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NO annual fee, NO balance transfer fee, NO over-limit fee
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25-Day grace period on purchases
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Earn rewards points to use towards travel, experiences, merchandise and so much more!
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Global acceptance at over 19 million merchants worldwide

For every transaction that you make with your Waterfront Rewards credit card, you will earn rewards points that can be redeemed online for the following:

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Merchandise ~ electronics, housewares, sporting goods, & more
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Travel ~ airfare, hotels, rental cars, cruises, etc.
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Experiences ~ theme park, sports, & other entertainment tickets
You will earn 1 point for every $1 spent & your points will last for 3 years.
Browse Rewards
HOW TO APPLY
Need a credit limit increase?
To open a new Waterfront Credit Card:
Apply Today View Rates
Effective April 1, 2020*
Application and Solicitation Disclosure
Interest Rates & Interest Charges |
Classic |
Rewards |
Annual Percentage Rate (APR) for Purchases |
9.90% |
as low as 11.90% |
APR for Balance Transfers |
9.90% |
as low as 11.90% |
APR for Cash Advances |
9.90% |
as low as 11.90% |
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 http://www.consumerfinance.gov/learnmore |
Fees |
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 |