Purchase APR
18.99%
Annual fee
$10
Foreign fee
1%
No score≤619Other
Carrying $3k for a year ≈ $579.70 incl. $10 fee
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67
Visa Platinum
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
3%
Annual fee
None
0% intro
3%
0% transfer
None
Foreign fee
1%
Grace period
30 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 offered3%
Median3%
Highest offered3%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3%
Median3%
Highest offered3%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3%
Median3%
Highest offered3%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Statement Copy$5
Card Replacement$10
Pay by Phone$10
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Travel, merchandise, gift cards
Who can get this card
AvailabilityOne State/Territory
StatesOH
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 3.00%$90
Annual / periodic fees$0
Total yearly cost$90
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
3 documents filed by Homeland Credit Union, INC. in the 2026 Q1 archive.
More from this issuer
Purchase APR
3.99%
Annual fee
None
Foreign fee
1%
620–719
Carrying $3k for a year ≈ $119.70
Purchase APR
3.99–18%
Annual fee
None
Foreign fee
1%
≤619620–719Travel-related
Carrying $3k for a year ≈ $119.70
Purchase APR
5.99%
Annual fee
None
Foreign fee
None
Secured620–719720+Cashback
Carrying $3k for a year ≈ $179.70