Foresight Bank
Credit Cards

Excursion™ Visa Signature®
from Foresight Bank

Excursion™ Visa Signature®

Excursion™ Visa Signature®
from Foresight Bank

Earn 2% cash back on air travel, hotels, dining, and more.
Plus, earn $50 cash back5 when you spend $500 in the first 60 days.



Important Disclosures

THE CARD THAT GOES BEYOND ORDINARY REWARDS.

Exclusive Perks

Exclusive Perks

Get access to Visa Signature Luxury Hotel Collection6, rental car privileges with Audi on Demand, concierge services and much more. Visit visa.com/signature for details.

Unlimited Cash Back

Unlimited Cash Back

Earn 2% cash back on air travel, hotels, dining at restaurants, including takeout and delivery services, and more. Earn unlimited 1% cash back on all other purchases. Plus, earn $50 cash back5 when you spend $500 in the first 60 days.

Free FICO® Score<sup>1</sup> and Card Security

Free FICO® Score1 and Card Security

Fraud monitoring and $0 liability for unauthorized transactions. Plus, view your FICO Score anywhere, anytime.

Pen & Paper

Interest Rates & Fees Summary

Introductory APR
0% Intro APR for the first 12 billing cycles on purchases and balance transfers. 18.24% - 24.24% variable APR after that.
Purchase and Balance Transfer APR
18.24% - 24.24% variable APR, based on your creditworthiness. Your APR will vary with the market based on Prime Rate.
Annual Fee
$0 Intro fee for the first year, after that, $20, waived based on spend.
Introductory APRPurchase and Balance Transfer APRAnnual Fee
0% Intro APR for the first 12 billing cycles on purchases and balance transfers. 18.24% - 24.24% variable APR after that.18.24% - 24.24% variable APR, based on your creditworthiness. Your APR will vary with the market based on Prime Rate.$0 Intro fee for the first year, after that, $20, waived based on spend.

Important Disclosures

Additional Product Features

  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
  • Roadside Dispatch – roadside assistance
  • Shipt - 3 months complimentary membership, then 9 months of membership at 50% off3

Important Disclosures

Excursion™ Visa Signature® Credit Card

Information on this disclosure was accurate as of February 27, 2024. This card will be issued and administered by TCM Bank, N.A. Before you submit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and other costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, please write to: TCM Bank, N.A., P.O. Box 105666, Atlanta, GA 30348-5666. Each applicant must be at least 18 years of age.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR applies for twelve billing cycles from date of account opening.
After that, your APR will be 18.24% to 24.24%, based on your creditworthiness.
This APR will vary with the market based on Prime Rate.*
APR for Balance Transfers 0% Introductory APR applies for twelve billing cycles from date of account opening.
After that, your APR will be 18.24% to 24.24%, based on your creditworthiness.
This APR will vary with the market based on Prime Rate.*
APR for Cash Advances 27.24%
This APR will vary with the market based on Prime Rate.*
How to Avoid Paying Interest on Purchases Your due date is at least 23 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 If you are charged interest, the charge will be no less than $1.00.
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.
Fees
Annual Fee $0 Intro fee for the first year, after that, $20, waived based on spend**
Transaction Fees
  • Balance Transfer
  • Either $5 or 3% of each balance transferred, whichever is greater.
  • Cash Advance
  • Either $5 or 3% of each cash advance, whichever is greater.
  • Foreign Transaction
  • None
    Penalty Fees
  • Late Payment
  • Up to $40.
  • Over-the Credit Limit
  • None
  • Returned Payment
  • Up to $40.

    How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new transactions)."

    Loss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance Transfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.

    Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 18.24% variable APR on purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect which would apply when the Introductory APR expires, based on your creditworthiness.

    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder Agreement.

    *We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date ("Last Business Day") and apply it beginning with the first billing period following the Last Business Day. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 9.74% to 15.74%, based on your creditworthiness and for Cash Advances is 18.74%.

    NOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® account. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.

    Important Information About Procedures for Opening a New Account

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

    State Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be liable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70, adversely affects the creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to review notification that credit has been extended to you.

    Applicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and regulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of Florida.

    Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the balance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you that the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash or to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of complete, legible balance transfer requests.

    Rewards: In order to access reward points, your account must be open and in good standing.

    **If annual net spend for preceding 12 months is $15,000.00 or greater, an Annual Fee will not be charged. If annual net spend is not met, $20 will be charged on the 13th billing cycle and annually thereafter. When calculating annual net spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, or insurance charges posted to your Account will not be included.

    See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
    ††Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
    1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
    2No one can prevent all identity theft.
    3Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Additional terms apply. To see a full list of Offer Terms, visit shipt.com/offer-terms-for-visa.
    4Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders’ behalf.
    5Receive a $50 statement credit when you spend $500 in purchases (minus returns) in the first 60 days of account opening using your Excursion Visa Signature credit card. When calculating the total spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your Account will not be included. Statement credit will be applied to your Account the following billing cycle. To be eligible for this offer, your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for your use) at the time of credit posting. We reserve the right to debit your credit card account if subsequent returns reduce the total spend made on purchases during the first 60 days of account opening.
    6Some restrictions and limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.