Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $35 |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
Advantis Credit Union's filed agreement for Consumer Credit Card Application and Solicitation Disclosure Effective 10 29 2024 discloses no annual fee.
What this filing discloses
The document behind this page is Advantis Credit Union's filed agreement for Consumer Credit Card Application and Solicitation Disclosure Effective 10 29 2024. The filing runs six pages, and It is issued on the Visa network.
The disclosure covers an annual fee line, a late payment maximum and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
The fee structure
The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.
When a payment is late
Late payments are capped at $35 under this filing, about the 54th percentile of late fee maximums in the corpus.
The grace period
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.
How it sits in the issuer's own range
10 separate Advantis Credit Union filings appear in the corpus.
What the filing does not tell you
Absent from the captured terms: a purchase rate, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
Go to the source
Everything here is a reading of the filed agreement, six pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement Advantis Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Advantis Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Advantis Credit Union
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Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.