Purchase APR
13.25–18%
Annual fee
None
Foreign fee
1%
0% purchases · 6 mo0% transfers · 6 mo
No score≤619Cashback
Carrying $3k for a year ≈ $487.50
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58
Firstmark Credit Union Platinum Rewards
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
15.25–18%
Annual fee
None
0% intro
5.99%
0% transfer
None
Foreign fee
None
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
16.25%
720+
15.25%
Lowest offered15.25%
Median16.25%
Highest offered18%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered15.25%
Median16.25%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
Features
- Contactless Payments
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesTX
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
Geographic: Members qualify through living, working, worshiping, and or doing business within specified counties
Affiliation: Members are qualified by affiliating with The Texas Consumer Council if they are outside specified counties but within Texas
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.25%$487.50
Annual / periodic fees$0
Total yearly cost$487.50
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
6 documents filed by Firstmark Credit Union in the 2026 Q1 archive.
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Purchase APR
13.25–18%
Annual fee
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Foreign fee
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0% purchases · 6 mo0% transfers · 6 mo
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Carrying $3k for a year ≈ $487.50
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Annual fee
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Foreign fee
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620–719720+Cashback
Carrying $3k for a year ≈ $537.50 incl. $50 fee
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Annual fee
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Foreign fee
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Carrying $3k for a year ≈ $487.50