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Are there any fees for applying for or using the card?

There are no application fees or balance transfer fees, but there are a few fees to be aware of:

Visa Rewards Driven Credit Card Fees

Visa Card Replacement Fee$10.00
Visa Replacement PIN $5.00
Visa Rush Card Order $25.00
Visa Temporary Increase/Rush Limit Increase $10.00
Visa Late Fee (Applies when payment is 5 days late) up to $25.00
Visa Returned Payment Fee $30.00