Purchase APR
12.90–17.15%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $441.30
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56
Mastercard Platinum
RegionalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
12.49–19.49%
Annual fee
None
0% intro
2.99%
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
19.49%
≤619
19.49%
620–719
15.99%
720+
12.99%
Lowest offered12.49%
Median14.74%
Highest offered19.49%
Introductory purchase APR
Promotional window: 6 months
No score
8.99%
≤619
8.99%
620–719
6.99%
720+
3.99%
Lowest offered2.99%
Median—
Highest offered8.99%
Cash advance APR
No score
19.49%
≤619
19.49%
620–719
15.99%
720+
12.99%
Lowest offered12.49%
Median—
Highest offered19.49%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Check Fee$25
Statement Copy Fee$10
Card Replacement Fee$10
Copy of a Receipt$10
Late fee policy: For payments more than 15 days late, 5.00% of the payment due, subject to maximum of $25.00 and a minimum of $10.00 (whenever the payment due is greater than $25.00).
Rewards, benefits and features
Rewards
None reported
Services
- Automobile rental insurance
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
- Other
Who can get this card
AvailabilityRegional
StatesIL, MO
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-522-6009
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 14.74%$442.20
Annual / periodic fees$0
Total yearly cost$442.20
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
19 documents filed by Vantage Credit Union in the 2026 Q1 archive.
- 077145902 Vantage Mastercard Agreement and Disclosure Statement209 KB
- CFPB Survey 03.23.26220 KB
- Credit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KB
- Credit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KB
- Credit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KB
- Credit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KB
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