Purchase APR
8.49–17.99%
Annual fee
None
Foreign fee
1%
≤619620–719Cashback
Carrying $3k for a year ≈ $359.70
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62
Visa Platinum
RegionalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.99%
Median11.99%
Highest offered11.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.99%
Median11.99%
Highest offered11.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$20
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned payment Fee$25
Card replacement Fee$20
Emergency Card replacement Fee$35
Pay by Phone$10
Statement Copy Fee$5
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Chip card
Who can get this card
AvailabilityRegional
StatesRI
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.99%$359.70
Annual / periodic fees$0
Total yearly cost$359.70
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
2 documents filed by Wave Federal Credit Union in the 2026 Q1 archive.
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