Purchase APR
16.49%
Annual fee
None
Foreign fee
0.8%
620–719720+
Carrying $3k for a year ≈ $494.70
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57
Visa Credit Card
NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11–18%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
18%
≤619
18%
620–719
17.25%
720+
13.50%
Lowest offered11%
Median16.50%
Highest offered18%
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%
Median1.99%
Highest offered1.99%
Cash advance APR
No score
18%
≤619
18%
620–719
17.25%
720+
13.50%
Lowest offered11%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Statement Copy$5
Card Replacement Fee$10
Rush Fee$40
Stop Payment/Revocation of Authorization Fee$19
Late fee policy: Up to $20.00
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- 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 requirementsOpen to the public
Phone1-800-400-8790
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 16.50% afterwards.
Cost to carry a balance
Interest for a year at 16.50%$495
Annual / periodic fees$0
Total yearly cost$495
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by Eastrise Federal Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
16.49–26.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $494.70
Purchase APR
14.40–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $493.50
Purchase APR
12.25–21.25%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $492.60