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Proponent Visa

Proponent Federal Credit Union

NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
11.50–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
22 days

Contract X-Ray — what's buried in the fine print

0 red flags · 4 filed docs

Detected in the CFPB-filed cardholder agreements from Proponent Federal 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

No score
15.25%
≤619
18%
620–719
15%
720+
11.75%
Lowest offered11.50%
Median15%
Highest offered18%

Cash advance APR

No score
15.25%
≤619
18%
620–719
15%
720+
11.75%
Lowest offered11.50%
Median—
Highest offered18%

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
Voluntary Debt Protection$0

Late fee policy: Lesser of $25 or the minimum payment

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Debt cancellation coverage
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Pro Rewards redeemable for merchandise & gift cards

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(800)457-8058
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 15.00%$450
Annual / periodic fees$0
Total yearly cost$450

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 22-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by Proponent Federal Credit Union in the 2026 Q1 archive.

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