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Visa Platinum Rewards

Usf Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
12.99–17.99%
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 · 3 filed docs

Detected in the CFPB-filed cardholder agreements from Usf 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
17.99%
≤619
17.99%
620–719
17.99%
720+
15.49%
Lowest offered12.99%
Median15.49%
Highest offered17.99%

Cash advance APR

No score
17.99%
≤619
17.99%
620–719
16.49%
720+
15.49%
Lowest offered12.99%
Median—
Highest offered17.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee2% (min $10)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$30
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Replacement Card Fee$10

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Merchandise

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
RequirementOther. Please Describe:

Affiliation: University of South Florida, Employee of Darden Restaurants, Employee of Affiliate Company

Phone800-569-2000
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 15.49%$464.70
Annual / periodic fees$0
Total yearly cost$464.70

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

3 documents filed by Usf Federal Credit Union in the 2026 Q1 archive.

More from this issuer