Purchase APR
9.90–17.90%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $357
← Back to explorer
73
Magnolia FCU Visa
One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
8.75–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 4 filed docsDetected in the CFPB-filed cardholder agreements from Magnolia Federal 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
—
≤619
18%
620–719
11.75%
720+
8.75%
Lowest offered8.75%
Median11.75%
Highest offered18%
Cash advance APR
No score
—
≤619
18%
620–719
11.75%
720+
8.75%
Lowest offered8.75%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Card Replacement Fee$20
Statement Copy Fee$5
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Debt cancellation coverage
Features
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards and miscellaneous merchandise
Who can get this card
AvailabilityOne State/Territory
StatesMS
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-977-8300
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.75%$352.50
Annual / periodic fees$0
Total yearly cost$352.50
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
4 documents filed by Magnolia Federal Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
11.90%
Annual fee
None
Foreign fee
None
≤619620–719
Carrying $3k for a year ≈ $357
Purchase APR
6.45–16.95%
Annual fee
None
Foreign fee
None
620–719Cashback
Carrying $3k for a year ≈ $358.50
Purchase APR
9.95–17.95%
Annual fee
None
Foreign fee
1%
No score≤619Travel-related
Carrying $3k for a year ≈ $358.50