At a glance
- Purchase rate
- 12.95%
- Cash advance
- 12.95%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 12.95% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 27th lowest of 51, level with one other |
Rates
Every rate Horizon Bank publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | - | - | - | 12.95% | - | - |
| Introductory | - | 5 mo intro | - | 7.96% | - | - |
| Purchase | - | - | - | 12.95% | - | - |
Fees
6 fees published, grouped by when they're charged.
When particular things happen6
- STATEMENT_COPY$2.50
- VISA_CARD_CHARGE_BACK$29
- VISA_CARD_REPLACEMENT_(EMERGENCY)$30
- VISA_CARD_REPLACEMENT
Australia only
$9 - VISA_CARD_VOUCHER_RETRIEVAL$24
- VISA_CREDIT_CARD_LATE_PAYMENT_FEE$10
Features
Instant paymentsPayIDDigital bankingApple Pay, Samsung Pay and Google Pay
- Manage payments from your bank account using PayTo.
- Low Special Rate for the first 5 months
Eligibility and limits
- Minimum age 18
- Amount from $500, no maximum
- Minimum balance $30,000
Compare it with others
Put this product through a calculator
Published by Horizon Bank under the Consumer Data Right, last changed by them on 23 Oct 2025. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.