Purchase APR
9.75–16.50%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
No score≤619
Carrying $3k for a year ≈ $367.50
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63
MasterCard Platinum Rewards
Weststar Credit Union
One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.24–17.99%
Annual fee
None
0% intro
3 mo
0% transfer
3 mo
Foreign fee
1%
Grace period
5 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
17.99%
620–719
16.24%
720+
11.24%
Lowest offered11.24%
Median12.24%
Highest offered17.99%
Introductory purchase APR
Promotional window: 3 months
No score
—
≤619
—
620–719
0%
720+
0%
Lowest offered0%
Median—
Highest offered0%
Balance transfer APR
Promotional window: 3 months · grace period retained on purchases
No score
—
≤619
—
620–719
0%
720+
0%
Lowest offered0%
Median—
Highest offered0%
Cash advance APR
No score
—
≤619
17.99%
620–719
15.49%
720+
11.24%
Lowest offered4.49%
Median—
Highest offered12.50%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$30
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Other rewards
Services
None reported
Features
- Contactless Payments
- Chip card
Issuer note: Rewards Points
Who can get this card
AvailabilityOne State/Territory
StatesAA
Membership requirementsOpen to the public
Phone800-729-9328
Balance transfer calculator
Stay put — 3 mo at 24%$150
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$150
Assumes you pay the balance down evenly across the 3-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.24% afterwards.
Cost to carry a balance
Interest for a year at 12.24%$367.20
Annual / periodic fees$0
Total yearly cost$367.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 5-day grace period avoids the interest entirely.
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Annual fee
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Foreign fee
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No score≤619Cashback
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Annual fee
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Foreign fee
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Annual fee
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