Purchase APR
13.49–22.49%
Annual fee
None
Foreign fee
2%
≤619620–719Other
Carrying $3k for a year ≈ $539.70
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45
Low Rate Platinum
Sunmark Credit Union
One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.49–20.74%
Annual fee
None
0% intro
11.74%
0% transfer
11.74%
Foreign fee
2%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
20.49%
620–719
17.49%
720+
12.49%
Lowest offered11.49%
Median16.11%
Highest offered20.74%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.74%
Median11.74%
Highest offered11.74%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.74%
Median11.74%
Highest offered11.74%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.49%
Median16.11%
Highest offered20.74%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee3%
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$37
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$27
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesNY
Membership requirementsOpen to the public
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 11.74%$293.50
You save$156.50
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.11% afterwards.
Cost to carry a balance
Interest for a year at 16.11%$483.30
Annual / periodic fees$0
Total yearly cost$483.30
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.
More from this issuer
Purchase APR
13.49–20.49%
Annual fee
None
Foreign fee
2%
≤619620–719Cashback
Carrying $3k for a year ≈ $509.70
Purchase APR
16.49–20.49%
Annual fee
None
Foreign fee
2%
620–719720+
Carrying $3k for a year ≈ $554.70
Purchase APR
13.74–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $483.60