Spend. Earn. Redeem.
With a rewards credit card, your everyday purchases can help you earn points towards your next vacation getaway, a brand name gift, or a once in a lifetime experience!
Our credit card rewards program is powered by Rewards! and gives you the flexibility and freedom to redeem your points for almost anything you want! Earn points from everyday purchases. Use your Viriva Rewards! credit card for fuel, groceries, utility bills and watch how fast your points add up. Earn 1 point for every $1.00 in qualifying credit card signature purchases.
- Cash Back – As a credit to account
- Merchandise – Over 300,000 products!
- Gift Cards – eGift cards are also available
- Travel – Discounted airline travel, cruises, hotel stays, etc.
- Experiences – Round of golf, sky diving, rock climbing, etc.
- Green Products – Renewable energy credits
- Charitable Donations –From over 250 charities
- Prepaid Card – VISA & Mastercard® gift cards available
- Event Tickets – Sports, theaters, concerts, etc.
Mastercard® Platinum Rewards Credit Card*
Interest rates and interest charges
|Annual Percentage Rate (APR) for Purchases||11.15% to 18%* when you open your account, based on your creditworthiness. After that your APR will vary with the market based on your credit score and the Prime Rate, but will not exceed 18%.|
|APR for Balance Transfer||11.15% to 18%*, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.|
|APR for Cash Advances||11.15% to 18%*, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.|
|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|
|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/.|
|Set-up & Maintenance
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)
To obtain a copy of our Credit Card agreement disclosures please call us at 888-7-Viriva or 215-333-1201 for local calls. You can also email Info@Viriva.com. Please include your name, address, and daytime phone number in your request.
*The approval and the Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first business day of each calendar month (“Index”) plus a margin from 5.90-17.90 (for the Rewards Card Program), 3.90-15.90 (for the Low Rate Card Program), and 7.90 (for the Secured Card). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. This disclosure is accurate as of November 1, 2018 and is subject to change after that date. To find out if any changes in this information have occurred, please call us at 888-7-Viriva (215-333-1201 for local calls), or write to us at 157 York Road Warminster, PA 18974.