All NorthCountry cards come with fixed rates, fraud protection, online account access, auto rental coverage, and the option of choosing your payment's due date.
Earn points toward merchandise and travel every time you use your card. No blackout periods, choose your airline, purchase Canadian tickets if you prefer, or take a cruise.
Keep Platinum Select in your wallet for its higher credit limits, low rates and no annual fee! For a list of Platinum Select benefits, click here.
College is a great time to start building a positive credit history. Classic Preferred provides the first step by offering a low fixed rate and no annual fee.
Rebuilding your credit? New Directions is your opportunity to start over with a clean slate and a fair fixed rate.
| New Directions | Classic Preferred | Platinum Select | Platinum Reward | |
| APR | 16.95% | 14.95% | as low as 7.45%* | 12.95% |
| Annual fee | $49 | $0 | $0 | $0 |
| Balance transfer fee | 2% | $0 | $0 | $0 |
| Optional withdrawal of your payment | yes | yes | yes | yes |
| Online access to your account | yes | yes | yes | yes |
| $0 liability for unauthorized purchases | yes | yes | yes | yes |
| Automobile rental coverage | yes | yes | yes | yes |
| Optional credit life & disability coverage | yes | yes | yes | yes |
| Verified by Visa fraud protection | yes | yes | yes | yes |
| Choice of your payment's due date | yes | yes | yes | yes |
| Travel accident insurance | $250.000 | $500,000 | $1 million | |
| Automatic credit line increases | yes | yes | ||
| Concierge service | yes | |||
| Travel and merchandise rewards ($1 = 1 point) | yes |
* Your actual Platinum Select rate will be determined by your credit qualifications. Please contact a loan officer for your rate.