1. The Introductory Annual Percentage Rate of 0% is effective as of 4/10/2020 and only applies to purchases made during the first 12 months of issuance and does not apply to ATM or PIN based transactions, balance transfers or cash advances. Purchases may not exceed the approved credit limit. After twelve months, the APR for the unpaid balance of any introductory rate purchases will revert to the variable APR in force on your account as assigned when issued and disclosed in your credit card agreement, which ranges from 6.95% - 17.95%. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, as set forth in our Consumer Credit Card Agreement and Disclosure and our Application and Solicitation Disclosure, visit or call 803-367-4100 to speak with a Lending Consultant. 

2. Must be 18 to apply. Qualification is based on credit, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply. The minimum credit limit on the Platinum Awards Visa Credit Card is $5,000 and the Traditional Visa Credit Card is $1500. 

3. For complete details, terms and conditions, visit https://usa.visa.com/en_us/visa-offers-and-perks/?category=97. 

4. To find out more about Visa Checkout, transitioning to Visa Secure Remote Commerce (SRC), visit https://usa.visa.com/pay-with-visa/checkout.htmlThe EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC. 

5. Rewards points provided by Extra Awards®. Visit https://1003.extraawards.com/cwa/rewards.do for complete terms and conditions. 

6. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.

We’re always here for you. Here are a few quick links that can make your life easier.