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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

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

0 red flags · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Empower Blue 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

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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