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Platinum Visa

Alcoa Community Federal Credit Union

One State/TerritoryFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
7.99–15.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
15.99%
620–719
9.99%
720+
7.99%
Lowest offered7.99%
Median9.99%
Highest offered15.99%

Cash advance APR

No score
—
≤619
15.99%
620–719
9.99%
720+
15.99%
Lowest offered7.99%
Median—
Highest offered15.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services

None reported

Features
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Merchandise rewards

Who can get this card

AvailabilityOne State/Territory
StatesAR
Membership requirementsOpen to the public
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 9.99%$299.70
Annual / periodic fees$0
Total yearly cost$299.70

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

1 document filed by Alcoa Community Federal Credit Union in the 2026 Q1 archive.

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