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51

Platinum Rewards Visa Credit Card

Red Canoe Credit Union

RegionalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
4.90–22.90%
Annual fee
None
0% intro
4.90%
0% transfer
4.90%
Foreign fee
None
Grace period
None

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 offered4.90%
Median15.90%
Highest offered22.90%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered4.90%
Median15.90%
Highest offered22.90%

Balance transfer APR

Promotional window: 6 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered4.90%
Median15.90%
Highest offered22.90%

Cash advance APR

No score
17.90%
≤619
15.90%
620–719
13.90%
720+
11.90%
Lowest offered11.90%
Median—
Highest offered22.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services
  • Debt cancellation coverage
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesOR, WA
Membership requirementsYes
RequirementOther. Please Describe:
Phone8005625611
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 4.90%$61.25
You save$238.75

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 15.90% afterwards.

Cost to carry a balance
Interest for a year at 15.90%$477
Annual / periodic fees$0
Total yearly cost$477

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

Cardholder agreements

5 documents filed by Red Canoe Credit Union in the 2026 Q1 archive.

More from this issuer