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60

Classic Visa Credit Card

Credit Union For All, The

NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719
Purchase APR
15.99–19.99%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
None
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
19.99%
≤619
19.99%
620–719
15.99%
720+
—
Lowest offered15.99%
Median15.99%
Highest offered19.99%

Balance transfer APR

Promotional window: 12 months

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

Lowest offered1.99%
Median2.99%
Highest offered5.99%

Cash advance APR

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

Lowest offered14.99%
Median15.99%
Highest offered19.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Credit card registration
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: scorecard reward program

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-322-4472
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 1.99%$49.75
You save$550.25

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 15.99% afterwards.

Cost to carry a balance
Interest for a year at 15.99%$479.70
Annual / periodic fees$0
Total yearly cost$479.70

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

Cardholder agreements

2 documents filed by Credit Union For All, The in the 2026 Q1 archive.

More from this issuer