Purchase APR
11.24–24%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $428.10
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52
Credit Card Agreement
University Of Kentucky Federal Credit Union
NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
10.74–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
None
Contract X-Ray — what's buried in the fine print
0 red flags · 14 filed docsDetected in the CFPB-filed cardholder agreements from University Of Kentucky Federal 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
No score
18%
≤619
18%
620–719
13.24%
720+
10.74%
Lowest offered10.74%
Median14.37%
Highest offered18%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered18%
Median18%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$29
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$29
Statement Copy Fee$2
Card Replacement Fee$5
Rush Fee$35
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
- Extension on manufacturer’s warranty
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 14.37%$431.10
Annual / periodic fees$0
Total yearly cost$431.10
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
20 documents filed by University Of Kentucky Federal Credit Union in the 2026 Q1 archive.
- 1QTR App and Solicitation Disc 202533 KB
- 1QTR Application & Solicitation Disclosure 2026134 KB
- 2023-03-28 Credit Card Disclosure173 KB
- 2023-09 Signature & Platinum Visa Credit Card Application and Solicitation Disclosure160 KB
- 2nd Qtr Card DIsc 2024457 KB
- 2QTR App and Solicitation Disc 202533 KB
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