Purchase APR
12.49%
Annual fee
None
Foreign fee
0.8%
620–719720+Cashback
Carrying $3k for a year ≈ $374.70
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52
Visa Classic
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
16.49%
Annual fee
None
0% intro
None
0% transfer
16.49%
Foreign fee
0.8%
Grace period
25 days
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 offered16.49%
Median16.49%
Highest offered16.49%
Balance transfer APR
Promotional window: ? months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.49%
Median16.49%
Highest offered16.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.49%
Median16.49%
Highest offered16.49%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee0.8%
Purchase transaction feeNone
Late fee$30
Over-limit feeNone
Minimum finance charge$30
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$30
Rewards, benefits and features
Rewards
None reported
Services
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesCO
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, and Moffat Counties
Phone970-243-7280
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 16.49%$412.25
You save$187.75
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 16.49% afterwards.
Cost to carry a balance
Interest for a year at 16.49%$494.70
Annual / periodic fees$0
Total yearly cost$494.70
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
5 documents filed by Coloramo Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
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Annual fee
None
Foreign fee
0.8%
SecuredNo score
Carrying $3k for a year ≈ $237
Purchase APR
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Annual fee
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Foreign fee
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Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $494.70
Purchase APR
11–18%
Annual fee
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Foreign fee
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No score≤619Cashback
Carrying $3k for a year ≈ $495