Redeem points for travel, merchandise, gift cards, and cash back.
Optional Annual Rewards Program Fee: Visa Platinum Rewards: $0, or Visa Platinum Rewards Plus: $55. Balance Transfer Fee: Either $10 or 3% of each Balance Transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). Cash Advance Fee: Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee: 3% of the U.S. Dollar amount of the foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency.