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64

Visa Signature Everyday Elite

Service Federal Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
17.65–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 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 Service 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
—
≤619
18%
620–719
18%
720+
17.83%
Lowest offered17.65%
Median17.83%
Highest offered18%

Cash advance APR

No score
—
≤619
18%
620–719
18%
720+
17.65%
Lowest offered17.65%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee1%
Cash advance fee1%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$20
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance charge$15
Balance computationAverage daily balance including new purchases
Additional fees
returned payment fee$20
card replacement fee$9
document copy fee$15
statement copy fee$2

Late fee policy: $20 or the amount of the past due payment amount, whichever is less, if you are 15 or more days late in making a payment.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: merchandise related rewards

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone800-936-7730
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 17.83%$534.90
Annual / periodic fees$0
Total yearly cost$534.90

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by Service Federal Credit Union in the 2026 Q1 archive.

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