CardSleuth
← Back to explorer
52

Platinum Low Rate

Communityamerica Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719
Issuer site ↗
Purchase APR
11.99–18%
Annual fee
None
0% intro
None
0% transfer
11.99%
Foreign fee
1%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
18%
≤619
18%
620–719
17.99%
720+
11.99%
Lowest offered11.99%
Median17.99%
Highest offered18%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered11.99%
Median17.99%
Highest offered18%

Cash advance APR

No score
18%
≤619
18%
620–719
17.99%
720+
11.99%
Lowest offered11.99%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee3% (min $5)
Cash advance fee3% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone8008927957
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 11.99%$299.75
You save$150.25

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 17.99% afterwards.

Cost to carry a balance
Interest for a year at 17.99%$539.70
Annual / periodic fees$0
Total yearly cost$539.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Communityamerica Federal Credit Union in the 2026 Q1 archive.

Similar cards