Purchase APR
11.75–16.75%
Annual fee
None
Foreign fee
2%
No score≤619
Carrying $3k for a year ≈ $412.50
← Back to explorer
66
Visa Platinum
Central Willamette Credit Union
NationalVariable · PrimeCredit score 720+
Purchase APR
10.24–21.75%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
21.75%
≤619
21.75%
620–719
13.75%
720+
11.75%
Lowest offered10.24%
Median13.75%
Highest offered21.75%
Balance transfer APR
Promotional window: 3 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered1.99%
Median1.99%
Highest offered1.99%
Cash advance APR
No score
21.75%
≤619
21.75%
620–719
13.75%
720+
10.24%
Lowest offered10.24%
Median—
Highest offered21.75%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feegreater of 2% or $10
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$30
Debt Protection$0
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
- Automobile rental insurance
- Credit card registration
- Debt cancellation coverage
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-950-4536
Balance transfer calculator
Stay put — 3 mo at 24%$150
Transfer fee (0%)$0
Promo interest at 1.99%$12.44
You save$137.56
Assumes you pay the balance down evenly across the 3-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.75% afterwards.
Cost to carry a balance
Interest for a year at 13.75%$412.50
Annual / periodic fees$0
Total yearly cost$412.50
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.
Similar cards
Purchase APR
12.75–14.75%
Annual fee
—
Foreign fee
1%
0% purchases · 5 mo0% transfers · 5 mo
620–719720+
Carrying $3k for a year ≈ $412.50
Purchase APR
11.75–15.75%
Annual fee
None
Foreign fee
None
620–719720+
Carrying $3k for a year ≈ $412.50
Purchase APR
13.74%
Annual fee
$450
Foreign fee
None
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $862.20 incl. $450 fee