Purchase APR
11.99–18%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $539.70
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63
Visa Platinum
NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
17.74–17.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
25 days
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 offered17.74%
Median17.99%
Highest offered17.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.74%
Median17.99%
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 3% or $10
Cash advance fee2%
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$37
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$27
Expedited Pay-by-Phone Fee$8
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Credit card registration
- Debt cancellation coverage
- Discounts on purchases of goods and services (non travel related)
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards, merchandise, charities
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-533-2062
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 17.99%$539.70
Annual / periodic fees$0
Total yearly cost$539.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by Georgia'S Own Credit Union in the 2026 Q1 archive.
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