Ascend platinum rewards is issued by Ascend Federal Credit Union. The button below hands you to the issuer's own application.
Apply now Ascend Federal Credit Union agreements on file
Applications are handled by Ascend Federal Credit Union, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.
Disclosed rates and fees
Read from Ascend Federal Credit Union's own published disclosure for this card. Anything the issuer does not state is left out of this table rather than shown as a zero.
| Purchase APR | 9.5%–18% |
|---|---|
| Balance transfer APR | 9.5% |
| Cash advance APR | 9.5% |
| Annual fee | $0 |
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Balance transfer fee | No Balance Transfer Fee |
Analysis
Ascend platinum rewards is issued by Ascend Federal Credit Union. The issuer publishes a purchase APR of 9.5%–18% and no annual fee.
The card in one paragraph
A rewards card, earning points on spending.
The rate, in context and in money
In money rather than percentages: $1,000 left on this card for a year at 18% costs about $180 in interest, around $15 a month. That is simple interest on a flat balance, so read it as a scale rather than a bill — real interest compounds daily and moves with what you owe.
What it costs to hold and use
There is no annual fee. Foreign transactions cost 1%, applied to anything processed outside the US — including online purchases from foreign sellers. Balance transfers carry no fee, which is unusual and worth real money if you intend to move a balance.
A late payment costs up to $25.
In short
A rewards card with no annual fee and a published rate of 9.5%–18%. Whether that rate matters to you turns on one thing: clear the statement balance every month and you will never be charged it.
Where these facts come from
The card name, the image and the application link on this page were read from Ascend Federal Credit Union's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.
Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Ascend Federal Credit Union's current disclosure before you apply.
We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. Those unmatched documents no longer get pages of their own on this site: a page named after a PDF is not something a reader can use. They remain published as documents, linked from this page and from the issuer's. How we read the filings.
Other cards from Ascend Federal Credit Union
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Ascend platinum
Ascend Federal Credit Union
- Purchase APR
- 9.5%–18%
- Annual fee
- $0
-
Visa secured
Ascend Federal Credit Union
- Purchase APR
- 9.5%–18%
Every Ascend Federal Credit Union card and filed agreement →
Where this card sits
Comparison lists this card qualifies for: