Purchase APR
18.24–21%
Annual fee
$49
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $656.20 incl. $49 fee
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Elevations Credit Union
4 cardholder agreements · 329 KB · 2 surveyed cards
A
Fair Terms · grade A (100/100)
0 contract red flags across 4 filed docs · see how every issuer ranks →
No red-flag clauses detected in this issuer's filed agreements — a clean 100.
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Priced card products
Purchase APR
11.74–21%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $498.30
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
Elevations-Visa-Application-and-Solicitation-Disclosure_Visa_VisaRewards_BuffOne_12182473 KBElevations-Visa-Application-and-Solicitation-Disclosure_Visa_VisaRewards_BuffOne_9182571 KBElevations-Visa-Signature-Application-and-Solicitation-Disclosure_12182492 KBElevations-Visa-Signature-Application-and-Solicitation-Disclosure_12182492 KB