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53

Signature Visa

Avadian Credit Union

One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
0%
Foreign fee
2%
Grace period
22 days

Contract X-Ray — what's buried in the fine print

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Avadian 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

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Balance transfer APR

Promotional window: ? months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Every fee on this card

Annual feeNone
Balance transfer fee3% (min $5)
Cash advance fee3%
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Merchandise

Who can get this card

AvailabilityOne State/Territory
StatesAL
Membership requirementsOpen to the public
Phone1-888-282-3426
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to the standard% afterwards.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

1 document filed by Avadian Credit Union in the 2026 Q1 archive.

More from this issuer