Purchase APR
11–18%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
620–719720+
Carrying $3k for a year ≈ $390
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71
Visa Rewards
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
12–19%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
1%
Grace period
28 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
14%
≤619
19%
620–719
14%
720+
12%
Lowest offered12%
Median14%
Highest offered19%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
14%
≤619
19%
620–719
14%
720+
12%
Lowest offered12%
Median—
Highest offered19%
Every fee on this card
Annual feeNone
Balance transfer fee4%
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
Card Replacement Fee$10
Emergency Card Replacement Fee$60
PIN Replacement Fee$5
Rush Fee$35
Document Copy Fee$1
Late fee policy: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Chip card
Issuer note: Our Visa Rewards Credit Card gives you 1 point for each dollar charged, which can be redeemed for gift cards, cash back, travel and more.
Who can get this card
AvailabilityOne State/Territory
StatesWI
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:
Geographic: Geographic qualifications are if they (or an immediate family member) live, work or own land in the following Wisconsin counties: Lincoln, Marathon, Oneida, Iron, Price, Vilas, Taylor, Forest, Rusk, Langlade, Wood or Portage.
Phone1-855-727-5228
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400
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 14.00% afterwards.
Cost to carry a balance
Interest for a year at 14.00%$420.00
Annual / periodic fees$0
Total yearly cost$420.00
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.
Cardholder agreements
1 document filed by Park City Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
12–17.90%
Annual fee
None
Foreign fee
2%
0% purchases · 6 mo
No score≤619
Carrying $3k for a year ≈ $420
Purchase APR
10.99–16.99%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $419.70
Purchase APR
11.99–16.99%
Annual fee
None
Foreign fee
1%
620–719
Carrying $3k for a year ≈ $419.70