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Visa Classic Credit Card

Bluestone Federal Credit Union

RegionalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
10.25–15.25%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
15.25%
620–719
12.25%
720+
10.25%
Lowest offered10.25%
Median12.50%
Highest offered15.25%

Cash advance APR

No score
—
≤619
15.25%
620–719
12.25%
720+
10.25%
Lowest offered10.25%
Median—
Highest offered15.25%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$12.50
Repeat late fee (6 mo)$12.50
Over-limit feeNone
Minimum finance charge$25
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesIA, MN, NE, SD
Membership requirementsYes
RequirementOther. Please Describe:
Phone6053677070
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 12.50%$375
Annual / periodic fees$0
Total yearly cost$375

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

3 documents filed by Bluestone Federal Credit Union in the 2026 Q1 archive.

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