Visa Platinum Credit Card Account Opening Disclosure

Visa Platinum Credit Card Account Opening Disclosure, as filed by Adventure Credit Union, carries a 9% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 4th percentile.

What the document actually states

Adventure Credit Union submitted the terms for Visa Platinum Credit Card Account Opening Disclosure to the CFPB's agreement database; this is what they contain. The filing runs three pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate.

The purchase rate in context

The purchase APR of 9% places this agreement around the 4th percentile of the set — it lands at the extreme low end of the filings.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What the rate means in dollars

The purchase rate turns a $2,500 revolving balance into roughly $235 of annual interest.

The corpus median purchase rate is 21.99%, which on the same $2,500 would cost about $615 a year. This filing saves roughly $379 annually against that benchmark.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Fees, and what triggers them

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.

Taking cash against the card means a cash advance fee of 3% and a cash advance APR of 9%.

The filing discloses a 9% balance transfer rate without an accompanying fee figure.

Foreign transactions attract 1%. On $1,500 of overseas spending that is $15, charged on top of whatever exchange rate applies.

Penalty pricing and late fees

$20 is the disclosed ceiling on a late payment fee, placing it near the 17th percentile of the set.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

The issuer's other agreements

Adventure Credit Union has 8 agreements indexed on this site.

Reading the agreement yourself

Everything here is a reading of the filed agreement, three pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The purchase rate of 9% is one of the cheaper figures in this index — the central point in the agreement's favour. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.