Purchase APR
13.75–17.75%
Annual fee
None
Foreign fee
1%
0% purchases · 5 mo0% transfers · 5 mo
620–719720+
Carrying $3k for a year ≈ $472.50
← Back to explorer
68
Purchase APR
12.99–18%
Annual fee
None
0% intro
None
0% transfer
15 mo
Foreign fee
3%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
18%
≤619
18%
620–719
17.49%
720+
15.24%
Lowest offered12.99%
Median15.79%
Highest offered18%
Balance transfer APR
Promotional window: 15 months
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
18%
≤619
18%
620–719
18%
720+
18%
Lowest offered18%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Card replacement$5
Rush Fee$25
Rewards, benefits and features
Rewards
- Cashback rewards
- Other rewards
Services
- Discounts on purchases of goods and services (non travel related)
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Reward Points
Who can get this card
AvailabilityRegional
StatesMN, WI
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: Hennepin, Ramsey, Washington, Anoka in MN
Phone8339952882
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$600
Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 15.79% afterwards.
Cost to carry a balance
Interest for a year at 15.79%$473.70
Annual / periodic fees$0
Total yearly cost$473.70
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
2 documents filed by Smw Financial Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
13.49–17.99%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $472.20
Purchase APR
12.49–21%
Annual fee
None
Foreign fee
2%
No score≤619
Carrying $3k for a year ≈ $472.20
Purchase APR
14.49–17.24%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $476.10