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
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67
VISA Consumer Rewards
One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
9.25–15.25%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
15.25%
≤619
15.25%
620–719
12.25%
720+
9.25%
Lowest offered9.25%
Median12.25%
Highest offered15.25%
Cash advance APR
No score
15.25%
≤619
15.25%
620–719
12.25%
720+
9.25%
Lowest offered9.25%
Median—
Highest offered15.25%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Returned payment fee$22
Late fee policy: The late fee is calculated as the amount past due with a maximum fee of $25.00. The maximum late fee is $25.00.
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards, pay for purchases, merchandise, donations, experiences.
Who can get this card
AvailabilityOne State/Territory
StatesAZ
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-851-7749
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 12.25%$367.50
Annual / periodic fees$0
Total yearly cost$367.50
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 Landings Credit Union in the 2026 Q1 archive.
Similar cards
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
Purchase APR
8.95–18%
Annual fee
None
Foreign fee
1%
720+Cashback
Carrying $3k for a year ≈ $369