Purchase APR
16.24–20.24%
Annual fee
None
Foreign fee
1%
≤619620–719Other
Carrying $3k for a year ≈ $547.20
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59
Visa Platinum
One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
10.75–14.75%
Annual fee
None
0% intro
None
0% transfer
2.99%
Foreign fee
1%
Grace period
27 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
14.75%
620–719
12.75%
720+
10.75%
Lowest offered10.75%
Median12.75%
Highest offered14.75%
Balance transfer APR
Promotional window: 6 months · grace period retained on purchases
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
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.99%
Median17.99%
Highest offered17.99%
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
Returned Payment Fee$20
Late fee policy: If your payment is more than 10 days late, we may charge you a fee of 5% of your payment amount or $15, whichever is greater.
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesID
Membership requirementsOpen to the public
Phone800-574-5626
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 2.99%$37.38
You save$262.63
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.75% afterwards.
Cost to carry a balance
Interest for a year at 12.75%$382.50
Annual / periodic fees$0
Total yearly cost$382.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 27-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Westmark Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
14.75–18.75%
Annual fee
None
Foreign fee
1%
≤619620–719Cashback
Carrying $3k for a year ≈ $502.50
Purchase APR
12.90%
Annual fee
None
Foreign fee
None
≤619620–719Other
Carrying $3k for a year ≈ $387
Purchase APR
12.90%
Annual fee
None
Foreign fee
None
0% purchases · 6 mo
620–719720+
Carrying $3k for a year ≈ $387