This credit card is recommended for people with the following credit scores: 620-719 and 720+
No score
619 or less
620-719
720+
Recommended credit scores
Nationwide
Availability
Eligibility requirements
This card is from a credit union, a not-for-profit, member-owned
institution that you must join before applying for the card.
Check with the credit union for membership requirements, which
typically include living in certain areas or working for certain
employers.
Review details with the company before applying
APRs change over time and are specific to the applicant.
Check rates before applying.
*As of .
Advertised purchase APRs change over time.
Check rates before applying.
Here are typical APRs for different credit scores for this card:
Credit score
Median purchase APR
Comparison to other cards
620-719
17.99%
1 dollar sign symbol
Pay less interest
720+
17.99%
1 dollar sign symbol
Pay less interest
After opening the credit card, the purchase APR is
variable, meaning it can go up or down based on the index
listed in the details below.
Learn more about
APRs in general
and about
fixed versus variable APRs.
0%
for
15
months
Introductory APR
Introductory APR
If a card has promotional interest, ensure you’re on track to
pay off the balance within the promotional period, or you could
end up owing more in interest than the original purchase amount.
Learn more about introductory APR offers.
Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional
fees
Grace period
25 days until interest begins to accrue on
purchases
Balance computation method
Monthly interest is calculated based on your
average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the
prime
index
Up to $20 if balance is less than $1000
Up to $25 if balance is $1000-$2000
Up to $28 if balance is greater than $2000
The late fees apply to the first late fee and repeat late fees. If the late fee is higher than the minimum payment due, the lesser is c
Over-limit fee
None
Returned Payment Fee
$25 (If a payment is not honored or returned because it could not be processed.)
Optional Debt Protection - Plan 1
$2.10 (Coverage for Loss of Life, Disability and Involuntary Unemployment per $1000 of monthly outstanding balance. Benefit maximums apply.)
Optional Debt Protection - Plan 2
$1.20 (Coverage for Loss of Life and Disability per $1000 of monthly outstanding balance. Benefit maximums apply.)
Optional Debt Protection - Plan 3
$0.88 (Coverage for Loss of Life per $1000 of monthly outstanding balance. Benefit maximums apply.)
Rewards and perks
This card does not offer cash back, travel, or other rewards.
Services
Access to Free Credit Scores
Credit card registration
Debt cancellation coverage
Discounts on purchases of goods and services (non travel related)
Mobile wallet provisioning (for example, Apple Pay)
Balance transfer interest rate and fees
0%*
Balance transfer APR for 15 months
Balance transfer APR for 15 months
+
3%
Balance transfer fee
Balance transfer fee
*As of .
Advertised balance transfer APRs change over time.
Check rates before applying.
After
15
months, any remaining unpaid balance on your account will be
subject to interest charges based on your purchase APR.
Cash advance interest rate and fees
17.99%*
Cash advance APR
Cash advance APR
+
$0
Cash advance fee
Cash advance fee
*As of .
Advertised cash advance APRs change over time.
Check rates before applying.
Did you know:
If you use your card to transfer a balance or get a
cash advance, you may have to start paying interest on some
or all of your total balance, including new purchases,
as of the date of the transaction.
