Purchase APR
13.49–17.99%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $472.20
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53
Premier Visa Credit Card & Premier Visa Secured Credit Card
NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
12.49–21%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 3 filed docsDetected in the CFPB-filed cardholder agreements from Greenwood 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
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.
Similar cards
Purchase APR
13.75–17.75%
Annual fee
None
Foreign fee
1%
0% purchases · 5 mo0% transfers · 5 mo
620–719720+
Carrying $3k for a year ≈ $472.50
Purchase APR
12.99–18%
Annual fee
None
Foreign fee
3%
0% transfers · 15 mo
620–719720+Cashback
Carrying $3k for a year ≈ $473.70
Purchase APR
13.65–17.99%
Annual fee
None
Foreign fee
1%
No scoreCashback
Carrying $3k for a year ≈ $474.60