Home Bank, National Association Visa Platinum Rewards | Consumer Financial Protection Bureau

State-by-state

Availability

To apply, you must live in Louisiana, Mississippi, and Texas

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

home24bank.com

Phone

(866) 401-9440

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

16.5% – 21.5%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	19.5%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance excluding new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment
Over-limit fee: $30
Returned Payment: $35 (If payment posted to account is returned.)

Rewards and perks

Cash back, travel, and other

Other rewards: merchandise, gift cards, event tickets, pay with points, apple products

Services

Credit card registration

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
alerts, card management tools

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

0%*

+

$25 or 2%

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

19.99%*

+

$10 or 2%

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.