Spotlight^™ Visa Signature^® Credit Card

Disclosures

1

APR = Annual Percentage Rate. 0.00% Introductory APR for twelve (12) months from the date of account opening when purchases are completed within ninety (90) days of account opening. After the introductory rate period ends, your APR for purchases and balance transfers will be 17.24% – 25.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate, as published in the Wall Street Journal. A 3% Balance Transfer fee will apply to each Balance Transfer transaction. Additional fees and charges may apply. All loans are subject to credit approval. For complete details, please refer to the Visa^® Interest and Fee Information disclosure.

2

For each dollar of Qualifying Purchases charged to your Rewards Account, you will be awarded Points Rewards (“Point” or “Points”) that will accumulate until they are redeemed, forfeited, expired, or suspended. Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures, based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for the purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. While a merchant, or some of the items that the merchant sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For purchases made where the merchant code and/or category is identified as travel, dining, entertainment, or grocery, you will earn two (2) Points per one dollar ($1.00) spent. For purchases made in all other merchant categories, you will earn one (1) Point per one dollar ($1.00) spent. Purchase amounts and Point accruals are subject to rounding for simplicity. Merchant code identification and classification are controlled by third parties and are subject to change without prior notice. For complete details, please refer to your Spotlight Visa Rewards Program Rules, Terms, and Conditions.

3

Restrictions apply. For full cardholder benefits and limitations, please consult your First Entertainment Credit Union Spotlight^™ Visa Signature^® Guide to Benefits.

4

Visa’s^® Zero Liability^™ policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa^®, or certain commercial card transactions. Cardholder must notify First Entertainment Credit Union promptly of any unauthorized use. Consult the Credit Union for additional details.

EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. 

Apple Pay is a trademark or registered trademark of Apple in the U.S. and other countries and is used under license. Google Pay logo is a trademark of Google LLC. ^©2022 Samsung Pay is a trademark or registered trademark of Samsung Electronica Co., Ltd. Learn more about Contactless Payments.

The Contactless Symbol is a trademark owned by and used with the permission of EMVCo, LLC. Contactless payments available at participating merchants. Not all merchants participate.

Visa^® is a registered trademark of Visa^® International Service Association and is used under license.