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Visa

Rhode Island Credit Union

RegionalFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
2.99%
0% transfer
2.99%
Foreign fee
1%
Grace period
30 days

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

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Rhode Island 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 offered2.99%
Median2.99%
Highest offered2.99%

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 offered2.99%
Median2.99%
Highest offered2.99%

Cash advance APR

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

Lowest offered2.99%
Median2.99%
Highest offered2.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee2.5%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Debt cancellation coverage
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: One point per dollar charged

Who can get this card

AvailabilityRegional
StatesCT, MA, NH, RI
Membership requirementsYes
RequirementOther. Please Describe:
Phone855-322-7428
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 2.99%$37.38
You save$262.63

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 the standard% afterwards.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

1 document filed by Rhode Island Credit Union in the 2026 Q1 archive.

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