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63

VISA Credit Card

Empower Blue Credit Union

NationalVariable · PrimeCredit score 619 or less
Purchase APR
4–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered4%
Median11%
Highest offered18%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered4%
Median11%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$10
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: gift cards

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation

Affiliation: BCBSKS Employee

Phone785-291-8774
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 11.00%$330
Annual / periodic fees$0
Total yearly cost$330

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

2 documents filed by Empower Blue Credit Union in the 2026 Q1 archive.

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