Purchase APR
12.25–21.25%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $492.60
← Back to explorer
55
Tidemark FCU Visa Platinum
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
11.50–18%
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
18%
≤619
18%
620–719
18%
720+
12.75%
Lowest offered11.50%
Median16.40%
Highest offered18%
Cash advance APR
No score
18%
≤619
18%
620–719
18%
720+
12.75%
Lowest offered11.50%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: $15.00 or the amount of the required minimum payment, whichever is less, if you are 11 or more days late in making a payment.
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone302-629-0100
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.40%$492.00
Annual / periodic fees$0
Total yearly cost$492.00
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 Tidemark Federal Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
14.40–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $493.50
Purchase APR
16.49%
Annual fee
None
Foreign fee
0.8%
620–719720+
Carrying $3k for a year ≈ $494.70
Purchase APR
16.49–26.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $494.70