Purchase APR
10–21%
Annual fee
None
Foreign fee
None
≤619620–719
Carrying $3k for a year ≈ $435
← Back to explorer
70
Purchase APR
10–14.50%
Annual fee
None
0% intro
4.90%
0% transfer
4.90%
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
11.50%
720+
10%
Lowest offered10%
Median11.50%
Highest offered14.50%
Introductory purchase APR
Promotional window: 12 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered4.90%
Median4.90%
Highest offered4.90%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered4.90%
Median4.90%
Highest offered4.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered10%
Median11.50%
Highest offered14.50%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$15
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards and merchandise
Who can get this card
AvailabilityOne State/Territory
StatesIN
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 4.90%$122.50
You save$477.50
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 11.50% afterwards.
Cost to carry a balance
Interest for a year at 11.50%$345
Annual / periodic fees$0
Total yearly cost$345
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
4 documents filed by Tlcu Financial in the 2026 Q1 archive.
More from this issuer
Purchase APR
10–18%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $345
Purchase APR
11.50%
Annual fee
None
Foreign fee
None
≤619620–719Other
Carrying $3k for a year ≈ $345
Purchase APR
9.95–12.95%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $343.50