Purchase APR
12.49–19.49%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $442.20
← All issuers077145902 Vantage Mastercard Agreement and Disclosure Statement ↗
Vantage Credit Union
19 cardholder agreements · 4.1 MB · 1 surveyed card
A
Fair Terms · grade A (88/100)
1 contract red flag across 19 filed docs · see how every issuer ranks →
Why this grade
- Starting score100
- Penalty APR-6
- High penalty APR (33.49%)-6
- Fair Terms score88 · grade A
See the exact wording behind each below.
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Contract X-Ray — what's buried in the fine print
1 red flag · 19 filed docsDetected in the CFPB-filed cardholder agreements from Vantage Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~33.49%
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“…e that in such an event We would not lose Our right to apply any subsequent increase, whether or not occasioned by any previously unapplied increase. PENALTY RATE. If Your Account is more than 60 days past due, subject to applicable law, the Margin applicable to Your entire balance of transactions existing at t…”
Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Change-anytime clause
Priced card products
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
077145902 Vantage Mastercard Agreement and Disclosure Statement209 KBCFPB Survey 03.23.26220 KBCredit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KBCredit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KBCredit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KBCredit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KBCredit Card Agreement and Disclosure_DUNS077145902 VANTAGE CU201 KBDUNS #07-714-5902 Vantage MC Revision_013124170 KBDUNS #07-714-5902 Vantage MC Revision_093023170 KBDUNS #07-714-5902 Vantage MC Revision_103123170 KBDUNS #07-714-5902 VantageMC Revision 03312023267 KBDUNS #07-714-5902 VantageMC Revision 06302023171 KBDUNS 077145902 VANTAGEMC REVISION 103122267 KBDUNS 077145902_VantageMC_ 03-22268 KBDUNS 077145902_VantageMC_Revision_123121266 KBDuns# 077145902 Vantage Mastercard Agreement and Disclosure Statement 093024203 KBDUNS077145902 VANTAGEMC REVISION 30JUN2022268 KBDUNS077145902_VantageMC_Revision_093022267 KBVantage Credit Card Agreement and Disclosure266 KB