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55

Visa Traditional

Usf Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
11.99–17.99%
Annual fee
None
0% intro
None
0% transfer
2.99%
Foreign fee
1%
Grace period
25 days

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+
14.49%
Lowest offered11.99%
Median14.99%
Highest offered17.99%

Balance transfer APR

Promotional window: 12 months

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

Lowest offered2.99%
Median2.99%
Highest offered2.99%

Cash advance APR

No score
17.99%
≤619
17.99%
620–719
17.99%
720+
14.49%
Lowest offered11.99%
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

Rewards, benefits and features

Rewards

None reported

Services
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
RequirementOther. Please Describe:

Affiliation: Student/Faculty of the University of South Florida, Employee of Darden Restaurants, Employee of affiliate company

Phone1-800-569-2000
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 2.99%$74.75
You save$525.25

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 14.99% afterwards.

Cost to carry a balance
Interest for a year at 14.99%$449.70
Annual / periodic fees$0
Total yearly cost$449.70

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