Purchase APR
13.90%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $417
← Back to explorer
59
Platinum Rewards Visa
Achieve Financial Credit Union
One State/TerritoryFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
9.90–17.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Achieve Financial Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
17.90%
620–719
12.90%
720+
10.40%
Lowest offered9.90%
Median13.90%
Highest offered17.90%
Cash advance APR
No score
—
≤619
17.90%
620–719
12.90%
720+
10.40%
Lowest offered9.90%
Median—
Highest offered17.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$35
Late Payment Fee$25
Rewards, benefits and features
Rewards
- Other rewards
Services
- Credit card registration
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: By Registering their credit cards for the "UChoose Rewards", they start earning 1 point for all purchases. Rewards can be redeemed for in-store and Online purchases at participating retailers.
Who can get this card
AvailabilityOne State/Territory
StatesCT
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 13.90%$417.00
Annual / periodic fees$0
Total yearly cost$417.00
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Achieve Financial Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
13.90%
Annual fee
None
Foreign fee
2%
SecuredNo score≤619
Carrying $3k for a year ≈ $417
Purchase APR
11.90–16.90%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
620–719720+
Carrying $3k for a year ≈ $417
Purchase APR
13.49–14.24%
Annual fee
None
Foreign fee
1%
SecuredNo score≤619
Carrying $3k for a year ≈ $416.10