Purchase APR
9.90%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $297
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63
Everyday Gold Visa
NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
14.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 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 offered14.90%
Median14.90%
Highest offered14.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered14.90%
Median14.90%
Highest offered14.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$10
Card Replacement Fee$5
Document Copy Fee$15
Pay-By-Phone Fee$15
Statement Copy Fee$5
Late fee policy: $15 or the amount of the required minimum payment, whichever is less
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
- Other
Issuer note: Gift cards, Pay with Points, Fuel with Points, Checkout with Points
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-767-6228
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 14.90%$447
Annual / periodic fees$0
Total yearly cost$447
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
7 documents filed by Mid American Credit Union in the 2026 Q1 archive.
- 14.9% Share Secured Visa892 KB
- 9.9% Share Secured Visa894 KB
- Everyday Gold Visa1.0 MB
- Everyday Visa895 KB
- Select Gold Visa896 KB
- Select Visa889 KB
More from this issuer
Purchase APR
9.90%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $297
Purchase APR
14.90%
Annual fee
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Foreign fee
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No score≤619Cashback
Carrying $3k for a year ≈ $447
Purchase APR
9.90%
Annual fee
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Foreign fee
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No score≤619Cashback
Carrying $3k for a year ≈ $297