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
RFCU Membership
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.
Did you know:
This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.
Purchase interest rate and fees
17.25% – 18%*
Purchase APR
Purchase APR
*As of .
Advertised purchase APRs change over time and are specific to the applicant, based on your credit score.
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
18%
1 dollar sign symbol
Pay less interest
720+
17.25%
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.
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
$28 for the first late payment
and
$39 for a late payment within six billing cycles of another
late payment
Late fee policy details
The late fee is $28.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial late pay
Over-limit fee
$28
Over-limit fee details
The over-limit fee is $28.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. In the event you exceed your credit limit in any of the six billing cycles following the initial violation, you will be charged $39.00 o
Returned Payment Fee
$25 (The Returned Payment Fee is charged when a credit card payment is returned. The fee is $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following th)
Returned Convenience Check Fee
$5 (The Card Replacement Fee is charged when a cardholder requests a replacement card.)
Document Copy Fee
$12 (The Document Copy Fee is charged for printing copies of non-statement documents. The fee is $12.00 per document.)
Expedited Payment Fee
$8 (The Expedited Payment Fee is charged for processing an expedited payment. The fee is $8.00 per payment when processed by a customer service representative.)
Rewards and perks
Cash back, travel, and other
Rewards
Rewards
Other rewards: Gift cards, Charitable donations
Services
Access to Free Credit Scores
Credit card registration
Debt cancellation coverage
Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty
Price Protection, Travel and Emergency Assistance, Roadside Dispatch
Card features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
*As of .
Advertised balance transfer APRs change over time.
Check rates before applying.
After
6
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
18%*
Cash advance APR
Cash advance APR
+
$0
Cash advance fee
Cash advance fee
*As of .
Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score.
Check rates before applying.
Here are typical cash advance APRs for different credit
scores for this card:
Credit score
Median cash advance APR
620-719
18%
720+
18%
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.