Purchase APR
14.49–17.24%
Annual fee
None
Foreign fee
1%
620–719720+Cashback
Carrying $3k for a year ≈ $476.10
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51
Consumer Credit Cards
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
13.49–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
18%
620–719
16.68%
720+
13.87%
Lowest offered13.49%
Median16.12%
Highest offered18%
This card's rate also varies by balance tier.
Cash advance APR
No score
—
≤619
18%
620–719
16.68%
720+
13.87%
Lowest offered13.49%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee2% (min $30)
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$25
Late fee policy: Up to 5% of the minimum payment due not to exceed $25.00
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Contactless Payments
- Chip card
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone432-363-6600
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.12%$483.60
Annual / periodic fees$0
Total yearly cost$483.60
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 Southwest 66 Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
13.49–14.24%
Annual fee
None
Foreign fee
1%
SecuredNo score≤619
Carrying $3k for a year ≈ $416.10
Purchase APR
13.74–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $483.60
Purchase APR
13.24–18%
Annual fee
None
Foreign fee
1%
≤619620–719Cashback
Carrying $3k for a year ≈ $483.60