Purchase APR
14.49–17.99%
Annual fee
None
Foreign fee
2%
620–719720+Cashback
Carrying $3k for a year ≈ $509.70
← Back to explorer
65
3Rivers Mastercard Credit Card
Three Rivers Federal Credit Union
NationalFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
14.95–18%
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 docDetected in the CFPB-filed cardholder agreements from Three Rivers 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
—
≤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
Purchase APR
13.49–20.49%
Annual fee
None
Foreign fee
2%
≤619620–719Cashback
Carrying $3k for a year ≈ $509.70
Purchase APR
4.90–23.90%
Annual fee
None
Foreign fee
None
No score≤619Other
Carrying $3k for a year ≈ $507
Purchase APR
16.90%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $507