CardSleuth
← Back to explorer
65

3Rivers Mastercard Credit Card

Three Rivers Federal Credit Union

NationalFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
14.95–18%
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
18%
620–719
16.95%
720+
14.95%
Lowest offered14.95%
Median16.95%
Highest offered18%

Cash advance APR

No score
—
≤619
18%
620–719
16.95%
720+
14.95%
Lowest offered14.95%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee3%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return check fee$25
Card replacement fee$10

Late fee policy: up to $25, based on card balance. Example: $5 balance, late fee would only be $5.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Credit card registration
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Merchandise and gift cards

Who can get this card

AvailabilityNational
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 16.95%$508.50
Annual / periodic fees$0
Total yearly cost$508.50

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 Three Rivers Federal Credit Union in the 2026 Q1 archive.

Similar cards