Purchase APR
11–15%
Annual fee
None
Foreign fee
None
620–719720+Cashback
Carrying $3k for a year ≈ $390
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63
Visa Platinum
One State/TerritoryFixed rateCredit score 620–719Credit score 720+
Purchase APR
10–14%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
28 days
Contract X-Ray — what's buried in the fine print
0 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Champion 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
14%
≤619
14%
620–719
11%
720+
10%
Lowest offered10%
Median12%
Highest offered14%
Cash advance APR
No score
14%
≤619
14%
620–719
11%
720+
10%
Lowest offered10%
Median—
Highest offered14%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$1.50
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Card Replacement$10
Late fee policy: $25 or the amount of the required minimum payment, whichever is less.
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesNC
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
RequirementOther. Please Describe:
Geographic: Haywood, Buncombe, Henderson, Macon, Madison, Transylvania, Graham, Swain, Jackson Counties of North Carolina.
Affiliation: Employee of a business located in one of the 9 counties above.
Phone(828) 648-1515
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 12.00%$360
Annual / periodic fees$0
Total yearly cost$360
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 28-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Champion Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
12%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $360
Purchase APR
11–13%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $360
Purchase APR
8.49–17.99%
Annual fee
None
Foreign fee
1%
≤619620–719Cashback
Carrying $3k for a year ≈ $359.70