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Premier Visa Credit Card & Premier Visa Secured Credit Card

Greenwood Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
12.49–21%
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

No score
21%
≤619
21%
620–719
17.24%
720+
12.49%
Lowest offered12.49%
Median15.74%
Highest offered21%

Cash advance APR

No score
21%
≤619
21%
620–719
18.74%
720+
12.49%
Lowest offered11.74%
Median—
Highest offered21%

Every fee on this card

Annual feeNone
Balance transfer feegreater of 3% or $5
Cash advance feegreater of 5% or $10
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$35
Over-limit feeNone
Minimum finance charge$25
Balance computationAverage daily balance including new purchases
Additional fees
Card replacement fee$10

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone401-739-4600
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 15.74%$472.20
Annual / periodic fees$0
Total yearly cost$472.20

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

3 documents filed by Greenwood Credit Union in the 2026 Q1 archive.

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