*All VISAs are subject to credit approval. The 0.00% APR promo rate will be in effect for 6 monthly billing cycles from the date of the card being opened. After that, any unpaid balance will revert to the current purchase rate-SOCU Platinum Edge 13.9% APR and SOCU Platinum Perks 10.9% APR. APR= Annual Percentage Rate. Limited time offer.