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Platinum Visa Card

Statewide Federal Credit Union

NationalFixed rateCredit score 720+
Issuer site ↗
Purchase APR
9.95–17.95%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
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 Statewide 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
16.95%
≤619
17.95%
620–719
11.95%
720+
9.95%
Lowest offered9.95%
Median14.95%
Highest offered17.95%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered9.95%
Median—
Highest offered17.95%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: 5.00% of the amount of the required minimum payment, if you are 15 or more days late in making a payment. However,the fee will not exceed $25.00.

Rewards, benefits and features

Rewards
  • Other rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Redeem for gifts and other items

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-682-6426
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 14.95%$448.50
Annual / periodic fees$0
Total yearly cost$448.50

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 Statewide Federal Credit Union in the 2026 Q1 archive.

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