Purchase APR
11.50–17.99%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $435
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65
Visa Platinum Preferred Credit Card
NationalVariable · PrimeCredit score 720+
Purchase APR
14–16.75%
Annual fee
None
0% intro
7.50%
0% transfer
7.50%
Foreign fee
1%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
16.75%
720+
14.50%
Lowest offered14%
Median14.50%
Highest offered16.75%
Introductory purchase APR
Promotional window: 12 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered7.50%
Median7.50%
Highest offered7.50%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered7.50%
Median7.50%
Highest offered7.50%
Cash advance APR
No score
—
≤619
—
620–719
18%
720+
14.50%
Lowest offered14%
Median—
Highest offered16.75%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$30
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Additional fees
Returned Payment$20
Late fee policy: 20.00% of interest due- max $30.00
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards, etc.
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-303-8328
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 7.50%$187.50
You save$412.50
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 14.50% afterwards.
Cost to carry a balance
Interest for a year at 14.50%$435.00
Annual / periodic fees$0
Total yearly cost$435.00
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
19 documents filed by Tucson Federal Credit Union in the 2026 Q1 archive.
- April-2022-Rates-and-Disclosures525 KB
- April-2026-Loan-Rates508 KB
- Jan-01-2026-Rates-Disclosure501 KB
- January Visa disclosure508 KB
- January-2022-Rates-and-Disclosures341 KB
- July-2022-Rates-and-Disclosures531 KB
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Annual fee
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Foreign fee
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0% transfers · 18 mo
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Foreign fee
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Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $435
Purchase APR
13.49–17.99%
Annual fee
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