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45

Platinum Rewards

Sunmark Credit Union

One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
13.49–22.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
22.49%
620–719
19.49%
720+
14.49%
Lowest offered13.49%
Median17.99%
Highest offered22.49%

Cash advance APR

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

Lowest offered13.49%
Median17.99%
Highest offered22.49%

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
  • Other rewards
Services

None reported

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

Issuer note: 1 Reward Point earned for every 1 dollar spent

Who can get this card

AvailabilityOne State/Territory
StatesNY
Membership requirementsOpen to the public
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 17.99%$539.70
Annual / periodic fees$0
Total yearly cost$539.70

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.

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