Purchase APR
7.50–11.50%
Annual fee
None
Foreign fee
1%
720+Cashback
Carrying $3k for a year ≈ $285
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62
Consumer Credit Card
One State/TerritoryFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
9.50–19.50%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1.25%
Grace period
28 days
Contract X-Ray — what's buried in the fine print
0 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Destinations Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
16.50%
620–719
9.50%
720+
9.50%
Lowest offered9.50%
Median9.50%
Highest offered19.50%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered9.50%
Median9.50%
Highest offered19.50%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$15
Foreign transaction fee1.25%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned payment fee$25
Card Replacement Fee$15
Convenience Payment Fee$7
Rewards, benefits and features
Rewards
None reported
Services
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
Who can get this card
AvailabilityOne State/Territory
StatesMD
Membership requirementsYes
RequirementOther. Please Describe:
Phone4106632500
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 9.50%$285
Annual / periodic fees$0
Total yearly cost$285
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 28-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Destinations Credit Union in the 2026 Q1 archive.
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