Purchase APR
15.24–18%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $457.20
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62
Advanced Financial FCU Everyday Rewards Visa
Advanced Financial Federal Credit Union
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
14.24–16.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
0.8%
Grace period
23 days
Contract X-Ray — what's buried in the fine print
0 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from Advanced Financial Federal 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
16.24%
620–719
15.74%
720+
14.74%
Lowest offered14.24%
Median15.24%
Highest offered16.24%
Cash advance APR
No score
—
≤619
16.24%
620–719
15.74%
720+
14.74%
Lowest offered14.24%
Median—
Highest offered16.24%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee1%
Foreign transaction fee0.8%
Purchase transaction feeNone
Late fee$35
Over-limit fee$10
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return payment$35
Statement copy fee$3
Card Rush Fee$65
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Automobile rental insurance
- Extension on manufacturer’s warranty
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Points can be redeemed to purchase gift cards. Points can be redeemed when making purchases on Amazon or when using PayPal. Points can be redeemed for fuel purchases at BP Amoco
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-237-5626
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 15.24%$457.20
Annual / periodic fees$0
Total yearly cost$457.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Advanced Financial Federal Credit Union in the 2026 Q1 archive.
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