Purchase APR
13.74%
Annual fee
$450
Foreign fee
None
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $862.20 incl. $450 fee
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52
Platinum Mastercard
Credit Union Of New Jersey
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
11.65–18%
Annual fee
None
0% intro
2.99%
0% transfer
2.99%
Foreign fee
1%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
16.65%
≤619
16.65%
620–719
13.65%
720+
12.65%
Lowest offered11.65%
Median13.65%
Highest offered18%
Introductory purchase APR
Promotional window: 12 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.99%
Median2.99%
Highest offered2.99%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.99%
Median2.99%
Highest offered2.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.65%
Median13.65%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee2% (min $10)
Cash advance fee2% (min $10)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$25
Rewards, benefits and features
Rewards
None reported
Services
- Debt cancellation coverage
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-538-4061
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (2%)$100
Promo interest at 2.99%$74.75
You save$425.25
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 13.65% afterwards.
Cost to carry a balance
Interest for a year at 13.65%$409.50
Annual / periodic fees$0
Total yearly cost$409.50
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.
Similar cards
Purchase APR
11.75–16.75%
Annual fee
None
Foreign fee
2%
No score≤619
Carrying $3k for a year ≈ $412.50
Purchase APR
10.24–21.75%
Annual fee
None
Foreign fee
1%
720+Travel-related
Carrying $3k for a year ≈ $412.50
Purchase APR
12.75–14.75%
Annual fee
—
Foreign fee
1%
0% purchases · 5 mo0% transfers · 5 mo
620–719720+
Carrying $3k for a year ≈ $412.50