Purchase APR
—
Annual fee
None
Foreign fee
1%
720+Cashback
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43
Purchase APR
—
Annual fee
None
0% intro
3.99%
0% transfer
None
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered—
Median—
Highest offered—
Introductory purchase APR
Promotional window: 3 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3.99%
Median3.99%
Highest offered3.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.25%
Median17.25%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$5 min
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit fee$20
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: 25.00 or 5% whichever is greater
Rewards, benefits and features
Rewards
None reported
Services
- Automobile rental insurance
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-544-4728
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry
This issuer did not report a purchase APR.
Cardholder agreements
1 document filed by 360 Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
—
Annual fee
None
Foreign fee
1%
720+Cashback
Purchase APR
3.99%
Annual fee
None
Foreign fee
1%
620–719
Carrying $3k for a year ≈ $119.70
Purchase APR
12.74–24.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $479.70