Purchase APR
13.99–17.99%
Annual fee
None
Foreign fee
2%
0% purchases · 12 mo0% transfers · 12 mo
≤619620–719Cashback
Carrying $3k for a year ≈ $479.70
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43
Visa Summit
NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
—
Annual fee
None
0% intro
5.99%
0% transfer
6.99%
Foreign fee
1%
Grace period
30 days
Contract X-Ray — what's buried in the fine print
0 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from On Tap 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
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered—
Median—
Highest offered—
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered6.99%
Median6.99%
Highest offered6.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered6.99%
Median6.99%
Highest offered6.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$15
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Rewards, benefits and features
Rewards
None reported
Services
- Automobile rental insurance
Features
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone303-279-6414
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 6.99%$174.75
You save$425.25
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 the standard% afterwards.
Cost to carry
This issuer did not report a purchase APR.
Cardholder agreements
2 documents filed by On Tap Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
13.24–18%
Annual fee
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Foreign fee
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0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $397.20
Purchase APR
17.99%
Annual fee
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Foreign fee
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0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $539.70
Purchase APR
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Annual fee
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Foreign fee
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0% purchases · 12 mo0% transfers · 12 mo
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Carrying $3k for a year ≈ $479.70