Purchase APR
3.99%
Annual fee
None
Foreign fee
1%
620–719
Carrying $3k for a year ≈ $119.70
← Back to explorer
70
Visa Platinum
NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
3.99–18%
Annual fee
None
0% intro
3.99%
0% transfer
12.50%
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
15.75%
720+
13%
Lowest offered3.99%
Median3.99%
Highest offered18%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered3.99%
Median3.99%
Highest offered3.99%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered12.50%
Median15.50%
Highest offered18%
Cash advance APR
No score
—
≤619
18%
620–719
15.75%
720+
13%
Lowest offered12.50%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee2.5%
Cash advance fee2.5%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$22
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Check Fee$20
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Credit card registration
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Merchandise
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone18004564828
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (2.5%)$125
Promo interest at 12.50%$156.25
You save$18.75
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 3.99% afterwards.
Cost to carry a balance
Interest for a year at 3.99%$119.70
Annual / periodic fees$0
Total yearly cost$119.70
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
6 documents filed by Tinker Federal Credit Union in the 2026 Q1 archive.
Similar cards
Purchase APR
3%
Annual fee
None
Foreign fee
1%
620–719720+Travel-related
Carrying $3k for a year ≈ $90
Purchase APR
5.99%
Annual fee
None
Foreign fee
None
Secured620–719720+Cashback
Carrying $3k for a year ≈ $179.70
Purchase APR
6.99%
Annual fee
None
Foreign fee
None
SecuredNo score≤619Cashback
Carrying $3k for a year ≈ $209.70