Purchase APR
18%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
SecuredNo score≤619
Carrying $3k for a year ≈ $540
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76
Platinum Cash+ Rewards
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
12.90–17.15%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
1%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
15.31%
720+
13.40%
Lowest offered12.90%
Median14.71%
Highest offered17.15%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
—
≤619
—
620–719
15.31%
720+
13.40%
Lowest offered12.90%
Median—
Highest offered17.15%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee3% (min $10)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Credit card registration
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Merchandise
Who can get this card
AvailabilityOne State/Territory
StatesWY
Membership requirementsOpen to the public
Phone800-442-2392
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.71% afterwards.
Cost to carry a balance
Interest for a year at 14.71%$441.30
Annual / periodic fees$0
Total yearly cost$441.30
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Wyhy Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
11.90–16.90%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
620–719720+
Carrying $3k for a year ≈ $417
Purchase APR
12.49–19.49%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $442.20
Purchase APR
11.90–17.90%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
No score≤619
Carrying $3k for a year ≈ $447