Purchase APR
10–14%
Annual fee
None
Foreign fee
None
620–719720+
Carrying $3k for a year ≈ $360
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VISA REWARDS
Meridian Trust Federal Credit Union
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
12%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
28 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 offered12%
Median12%
Highest offered12%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered12%
Median12%
Highest offered12%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3%
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
Services
- Access to Free Credit Scores
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 12.00%$360
Annual / periodic fees$0
Total yearly cost$360
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 28-day grace period avoids the interest entirely.
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Annual fee
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Foreign fee
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Annual fee
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Foreign fee
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≤619620–719Cashback
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Annual fee
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Foreign fee
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