Purchase APR
13.25–18%
Annual fee
None
Foreign fee
1%
0% purchases · 6 mo0% transfers · 6 mo
No score620–719Cashback
Carrying $3k for a year ≈ $487.50
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63
Student Rewards Visa
NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
13.25–18%
Annual fee
None
0% intro
6 mo
0% transfer
6 mo
Foreign fee
1%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
18%
620–719
16.25%
720+
13.25%
Lowest offered13.25%
Median16.25%
Highest offered18%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
18%
≤619
18%
620–719
16.25%
720+
13.25%
Lowest offered13.25%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3% (min $10)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$25
Late fee policy: $35.00 or the amount of the required minimum payment
Rewards, benefits and features
Rewards
- Cashback rewards
- Other rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Uchoose rewards program through Visa.
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(302) 739-4496
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$300
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.25% afterwards.
Cost to carry a balance
Interest for a year at 16.25%$487.50
Annual / periodic fees$0
Total yearly cost$487.50
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.
Cardholder agreements
3 documents filed by Del-One Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
15.90%
Annual fee
None
Foreign fee
1%
SecuredNo score≤619
Carrying $3k for a year ≈ $477
Purchase APR
15.90%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $477
Purchase APR
15.25–18%
Annual fee
None
Foreign fee
None
620–719720+Cashback
Carrying $3k for a year ≈ $487.50