Purchase APR
9.75–16.50%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
No score≤619
Carrying $3k for a year ≈ $367.50
← Back to explorer
63
Purchase APR
8.95–18%
Annual fee
None
0% intro
None
0% transfer
2.99%
Foreign fee
1%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
14.95%
≤619
17.50%
620–719
13.95%
720+
9.95%
Lowest offered8.95%
Median12.30%
Highest offered18%
Balance transfer APR
Promotional window: 9 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.99%
Median2.99%
Highest offered2.99%
Cash advance APR
No score
14.95%
≤619
17.50%
620–719
13.95%
720+
9.95%
Lowest offered8.95%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee2%
Cash advance fee2%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
None reported
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesCA
Membership requirementsOpen to the public
Phone559-582-4438
Balance transfer calculator
Stay put — 9 mo at 24%$450
Transfer fee (2%)$100
Promo interest at 2.99%$56.06
You save$293.94
Assumes you pay the balance down evenly across the 9-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.30% afterwards.
Cost to carry a balance
Interest for a year at 12.30%$369.00
Annual / periodic fees$0
Total yearly cost$369.00
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
1 document filed by Kings Federal Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
9.25–15.25%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $367.50
Purchase APR
10–17.90%
Annual fee
None
Foreign fee
2%
No score≤619Cashback
Carrying $3k for a year ≈ $367.50
Purchase APR
11.24–17.99%
Annual fee
None
Foreign fee
1%
0% purchases · 3 mo0% transfers · 3 mo
≤619620–719Other
Carrying $3k for a year ≈ $367.20