Purchase APR
15.88%
Annual fee
None
Foreign fee
None
No score
Carrying $3k for a year ≈ $476.40
← Back to explorer
67
Purchase APR
13.65–17.99%
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
17.99%
620–719
17.99%
720+
14.78%
Lowest offered13.65%
Median15.82%
Highest offered17.99%
Cash advance APR
No score
—
≤619
17.99%
620–719
17.99%
720+
14.78%
Lowest offered13.65%
Median—
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$25
Late fee policy: If balance of less than $25, the late fee will equal the card balance.
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards and Apple products.
Who can get this card
AvailabilityOne State/Territory
StatesTX
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 15.82%$474.60
Annual / periodic fees$0
Total yearly cost$474.60
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
2 documents filed by Texans Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
15.90%
Annual fee
None
Foreign fee
1%
SecuredNo score≤619
Carrying $3k for a year ≈ $477
Purchase APR
12.49–21%
Annual fee
None
Foreign fee
2%
No score≤619
Carrying $3k for a year ≈ $472.20
Purchase APR
15.90%
Annual fee
None
Foreign fee
None
SecuredNo score≤619Other
Carrying $3k for a year ≈ $477