Purchase APR
13.49–18%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $483.60
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61
Rewards Credit Cards
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
14.49–17.24%
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
—
620–719
16.36%
720+
14.87%
Lowest offered14.49%
Median15.87%
Highest offered17.24%
This card's rate also varies by balance tier.
Cash advance APR
No score
—
≤619
—
620–719
16.36%
720+
14.87%
Lowest offered14.49%
Median—
Highest offered17.24%
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
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Contactless Payments
- Chip card
Issuer note: Store Rewards
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 15.87%$476.10
Annual / periodic fees$0
Total yearly cost$476.10
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
15.90%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $477
Purchase APR
4.90–22.90%
Annual fee
None
Foreign fee
None
No score≤619
Carrying $3k for a year ≈ $477