Purchase APR
10.99–16.99%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $419.70
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54
Purchase APR
11.99–16.99%
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
—
≤619
—
620–719
16.99%
720+
12.99%
Lowest offered11.99%
Median13.99%
Highest offered16.99%
Balance transfer APR
Promotional window: 12 months
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
—
≤619
—
620–719
11.99%
720+
16.99%
Lowest offered11.99%
Median—
Highest offered16.99%
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 chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned payment Fee$25
Card Replacement Fee$5
Pay by phone fee$10
Statement Copy Fee$5
Rush Fee$25
Late fee policy: $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Contactless Payments
- Chip card
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer feenot reported
Promo interest at 2.99%$74.75
Net savingunknown
This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.99% afterwards.
Cost to carry a balance
Interest for a year at 13.99%$419.70
Annual / periodic fees$0
Total yearly cost$419.70
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 Nih Federal Credit Union in the 2026 Q1 archive.
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