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Visa Rewards, Visa, Buff One Visa

Elevations Credit Union

One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
11.74–21%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
1%
Grace period
None

Contract X-Ray — what's buried in the fine print

0 red flags · 4 filed docs

Detected in the CFPB-filed cardholder agreements from Elevations 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
—
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.

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