Vinton County National Bank

Visa® Credit Cards

When it comes to credit cards at VCNB you’ve got choices. Whether the basic Visa Classic® credit card or the Visa Platinum® credit card with uChoose Rewards®, you can’t go wrong!

Visa Classic Credit Card

Our Visa Classic credit card offers you convenience and a great rate on your purchases.

Visa Platinum Credit Card

With purchases using a Visa Platinum credit card at VCNB, you’ll earn generous points that you can redeem for travel, hotel rooms, movie tickets, merchandise, and even gift cards. With the uChoose Rewards program, each dollar you spend using your Visa Platinum credit card earns you one point. The points can add up quickly. Redeem your points and then choose from thousands of exciting products.

Credit Card Login

Register your Visa Platinum credit card now!

Learn more about uChoose Rewards by reading our Frequently Asked Questions.

APR & Interest	Visa Classic Credit Card	Visa Platinum Credit Card
Annual Percentage Rate (APR) for Purchases	4.99% introductory APR for the first six months. After that, your APR will be 15.9%	4.99% introductory APR for the first six months. After that, your APR will be 13.65%
Annual Percentage Rate (APR) for Balance Transfers	4.99% introductory APR for the first six months. After that, your APR will be 15.9%	4.99% introductory APR for the first six months. After that, your APR will be 13.65%
Annual Percentage Rate (APR) for Cash Advances	19.9%, after six month introductory APR of 4.99%	19.9% after six month introductory APR of 4.99%
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 and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50.	If you are charged interest, the charge will be no less than $0.50.

Transaction Fees	Visa Classic Credit Card	Visa Platinum Credit Card
Cash Advance	$5.00 or 3% of the amount of each cash advance, whichever is greater	$5.00 or 3% of the amount of each cash advance, whichever is greater
Balance Transfer	None	None
Expedited Payment	$10.00	$10.00

Penalty Fees	Visa Classic Credit Card	Visa Platinum Credit Card
Late Payment	Minimum payment due or $25, whichever is less, assessed on day of next statement billing	Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment	Minimum payment due or $25, whichever is less	Minimum payment due or $25, whichever is less

Visa Classic Credit Card APR & Interest
Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 15.9%
Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 15.9%
Annual Percentage Rate (APR) for Cash Advances 19.9%, after six month introductory APR of 4.99%
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 and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.

Visa Platinum Credit Card APR & Interest
Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 13.65%
Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 13.65%
Annual Percentage Rate (APR) for Cash Advances 19.9% after six month introductory APR of 4.99%
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 and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.

Visa Classic Credit Card Transaction Fees
Cash Advance $5.00 or 3% of the amount of each cash advance, whichever is greater
Balance Transfer None
Expedited Payment $10.00

Visa Platinum Credit Card Transaction Fees
Cash Advance $5.00 or 3% of the amount of each cash advance, whichever is greater
Balance Transfer None
Expedited Payment $10.00

Visa Classic Credit Card Penalty Fees
Late Payment Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment Minimum payment due or $25, whichever is less

Visa Platinum Credit Card Penalty Fees
Late Payment Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment Minimum payment due or $25, whichever is less

Lost or stolen cards

Report a lost or stolen VCNB credit card by calling 844.334.3875.

Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.

Balance Calculation
To calculate balance, we use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.

Billing Rights
Please read the Terms and Conditions provided in your account for information on your rights to dispute transactions and how to exercise those rights.

Variable Rate Determination
The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month's statement. APRs are current as of 11/8/2024 using a Prime Rate of 7.75%.

For more information and to learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.

Revised: November 8, 2024.

What is uChoose Rewards®?

uChoose Rewards is a rewards program where you earn points for shopping or using your Vinton County National Bank FAVOR Platinum Card. then redeem your points for anything of your choice from a huge online rewards catalog. Web site address is www.uChooseRewards.com.

How do I earn points?

You earn 1 point for every $1 Signature credit transaction. Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through www. uChooseRewards.com. When shopping in-store, select credit and sign for your purchases.

Where can I earn points?

You earn points everywhere your card is accepted.

When can I redeem my points?

It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points” at the top of any page to see how many points you have available for redemption.