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54

Platinum Credit Card

Valley Strong Credit Union

NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
12.75–17.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
17.90%
620–719
16.75%
720+
12.75%
Lowest offered12.75%
Median16.75%
Highest offered17.90%

Cash advance APR

No score
—
≤619
17.90%
620–719
16.75%
720+
12.75%
Lowest offered12.75%
Median—
Highest offered17.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee2%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$15

Late fee policy: Up to $10 if payment is returned for any reason.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
RequirementOther. Please Describe:

Geographic: Worship in an approved County

Affiliation: Employee of a Board member, Relative of a Valley Strong Member

Phone800-221-3311
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 16.75%$502.50
Annual / periodic fees$0
Total yearly cost$502.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

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

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