Purchase APR
9.90–17.90%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $357
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56
Visa Classic
NationalFixed rateCredit score 619 or lessCredit score 620–719
Purchase APR
11.90%
Annual fee
None
0% intro
None
0% transfer
None
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 offered11.90%
Median11.90%
Highest offered11.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.90%
Median11.90%
Highest offered11.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$5
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Over-limit fee$29
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone770-719-1111
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.90%$357
Annual / periodic fees$0
Total yearly cost$357
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
2 documents filed by Southern Credit Union, The in the 2026 Q1 archive.
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Annual fee
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