Purchase APR
18.24–21%
Annual fee
$49
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $656.20 incl. $49 fee
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69
Visa Rewards, Visa, Buff One Visa
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
11.74–21%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
1%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
16.74%
720+
12.74%
Lowest offered11.74%
Median16.61%
Highest offered21%
Introductory purchase APR
Promotional window: 12 months
No score
—
≤619
—
620–719
3.99%
720+
0%
Lowest offered0%
Median—
Highest offered3.99%
Balance transfer APR
Promotional window: 12 months
No score
—
≤619
—
620–719
3.99%
720+
0%
Lowest offered0%
Median—
Highest offered3.99%
Cash advance APR
No score
—
≤619
21%
620–719
17.74%
720+
13.74%
Lowest offered13.74%
Median—
Highest offered21%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$15
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Balance Transfer Fee$3
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
- 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
AvailabilityOne State/Territory
StatesCO
Membership requirementsOpen to the public
Phone1-800-429-7626
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450
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 16.61% afterwards.
Cost to carry a balance
Interest for a year at 16.61%$498.30
Annual / periodic fees$0
Total yearly cost$498.30
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
4 documents filed by Elevations Credit Union in the 2026 Q1 archive.
- Elevations-Visa-Application-and-Solicitation-Disclosure_Visa_VisaRewards_BuffOne_12182473 KB
- Elevations-Visa-Application-and-Solicitation-Disclosure_Visa_VisaRewards_BuffOne_9182571 KB
- Elevations-Visa-Signature-Application-and-Solicitation-Disclosure_12182492 KB
- Elevations-Visa-Signature-Application-and-Solicitation-Disclosure_12182492 KB
More from this issuer
Purchase APR
11–18%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $495
Purchase APR
16.49%
Annual fee
None
Foreign fee
0.8%
620–719720+
Carrying $3k for a year ≈ $494.70
Purchase APR
16.49–26.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $494.70