Purchase APR
10.74–18%
Annual fee
None
Foreign fee
1%
No score≤619Travel-related
Carrying $3k for a year ≈ $431.10
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58
Visa Platinum
NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.24–24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
16.24%
620–719
13.24%
720+
11.24%
Lowest offered11.24%
Median14.27%
Highest offered24%
Cash advance APR
No score
—
≤619
16.24%
620–719
14.27%
720+
11.24%
Lowest offered11.24%
Median—
Highest offered24%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee5% (min $10)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$29
Over-limit fee$25
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fees$20
Card Replacement$10
Rush Fee$35
Statement Copy Fee$2
Account Research Fee$30
Late fee policy: The lesser of $25 or the amount past due.
Rewards, benefits and features
Rewards
None reported
Services
- Automobile rental insurance
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone18004565067
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 14.27%$428.10
Annual / periodic fees$0
Total yearly cost$428.10
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
11 documents filed by Idaho Central Credit Union in the 2026 Q1 archive.
- 11100245-MXC20-P-3-052523 (MXC202-E)_CUF146 KB
- CC Account Opening Disc Platinum 11100245-MXC20-P-2-052523 (MXC202-E)_CUF141 KB
- Consumer CC Agreement and Disc 11100245-MXC30-C-1-052523 (MXC306-E)spn147 KB
- PNP_Form_for_VISA_PLATINUM_CREDIT_CARD_ACCOUNT_OPENING_DISCLOSURE_175666372332 KB
- Premier_Rewards_CC_Account_Opening_Disclosure365 KB
- VISA CC Agreement 11100245-MXC30-C-1-101323 (MXC306-E)_CUF151 KB
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