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Visa Platinum Rewards

Unison Credit Union

One State/TerritoryFixed rateCredit score 720+
Issuer site ↗
Purchase APR
12.99%
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 · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Unison 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

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered12.99%
Median12.99%
Highest offered12.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered12.99%
Median12.99%
Highest offered12.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee3% (min $3)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$10
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Merchandise, gift cards, event tickets

Who can get this card

AvailabilityOne State/Territory
StatesWI
Membership requirementsYes
RequirementOther. Please Describe:
Phone9207666000
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 12.99%$389.70
Annual / periodic fees$0
Total yearly cost$389.70

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

2 documents filed by Unison Credit Union in the 2026 Q1 archive.

More from this issuer