Vystar Credit Union Visa No Frills Platinum | Consumer Financial Protection Bureau

County-by-county

Availability

To apply, you must live in certain counties in Florida and Georgia

Eligibility requirements

Must live in a sponsored county within our footprint.
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.

Web

vystarcu.org

Phone

(877) 366-3565

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

15.35% – 18%*

*As of Jun. 30, 2024. 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
619 or less	18%	1 dollar sign symbol Pay less interest
620-719	16.05%	1 dollar sign symbol Pay less interest
720+	15.35%	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: 3 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

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: You may be charged a Late Payment Fee of up to $25.00 if You do not pay at least the minimum payment by the due date.
Over-limit fee: None
Returned Payment Fee: $25 (If a payment returns, the card is charged $25.00 or the amount of the required minimum payment, whichever is less,)
Returned Convenience Check Fee: $25 ($25.00 or the amount of the returned convenience check, whichever is less.)
Card Replacement Fee: $5 (If the card has to be replaced.)
Rush Fee: $25 (If the plastic has to be rushed.)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

1.99% – 2.99%*

+

3%

Balance transfer fee details: 3.00% of the amount of each balance transfer

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical balance transfer APRs for different credit scores for this card:

Credit score	Median balance transfer APR
619 or less	18%
620-719	16.05%
720+	15.35%

After 12 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

15.35% – 18%*

+

Variable

Cash advance fee details: $10 or 3.00% of each cash advance, whichever is greater.

*As of Jun. 30, 2024. 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
619 or less	18%
620-719	16.05%
720+	15.35%

The cash advance fee is charged for each cash advance.

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.