Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $749.70
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55
Purchase APR
21.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
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 offered21.99%
Median21.99%
Highest offered21.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered23.99%
Median23.99%
Highest offered23.99%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15
Rewards, benefits and features
Rewards
- Other rewards
Services
- Credit card registration
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: 5% back in rewards on IKEA purchases including IKEA installation services and TaskRabbit assembly services, $25 off first IKEA purchase of $25 or more when you open and use the IKEA VISA Credit Card same day, 3% back in rewards on dining, grocery stores a
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-866 387-6145
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 21.99%$659.70
Annual / periodic fees$0
Total yearly cost$659.70
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
100 documents filed by Comenity Capital Bank in the 2026 Q1 archive.
- AAA Visa Signature® credit card - Current Credit Card Agreements599 KB
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More from this issuer
Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $749.70
Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $749.70
Purchase APR
30.74–31.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $937.20