Purchase APR
10.90–20.90%
Annual fee
None
Foreign fee
None
No score≤619Cashback
Carrying $3k for a year ≈ $447
← Back to explorer
60
Visa Signature
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
14.25–21.25%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
26 days
Contract X-Ray — what's buried in the fine print
0 red flags · 5 filed docsDetected in the CFPB-filed cardholder agreements from Educators 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
21.25%
620–719
17.25%
720+
14.25%
Lowest offered14.25%
Median17.25%
Highest offered21.25%
Cash advance APR
No score
—
≤619
21.25%
620–719
17.25%
720+
14.25%
Lowest offered14.25%
Median—
Highest offered21.25%
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
Additional fees
Card Replacement Fee$5
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Access to Free Credit Scores
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
- Other
Who can get this card
AvailabilityOne State/Territory
StatesWI
Membership requirementsYes
RequirementProfessional Affiliation
Affiliation: )Employees of the following: •Public schools; •Private schools; •Government; •Health care; and •Education related. •AC Sparkplug and Delco Electronics Division; •Andis Company; •Appleton Electric; •Badger Meter (and retirees); •Bombardier Recrea
Phone800-236-5898
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 17.25%$517.50
Annual / periodic fees$0
Total yearly cost$517.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 26-day grace period avoids the interest entirely.
Cardholder agreements
5 documents filed by Educators Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
17.24–18%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $517.20
Purchase APR
17.24%
Annual fee
$89
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $606.20 incl. $89 fee
Purchase APR
14.24–21.24%
Annual fee
None
Foreign fee
None
620–719Cashback
Carrying $3k for a year ≈ $517.20