Visa Signature Rewards TC

The Visa Signature Rewards TC 1 filing from Associated Healthcare Credit Union sets out a purchase APR of 14.99%–17.99% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 28th percentile.

What this filing discloses

The document behind this page is Associated Healthcare Credit Union's filed agreement for Visa Signature Rewards TC 1. The filing runs four pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, an annual fee line, a late payment maximum and a grace period. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

Where the purchase APR sits

Rather than a single purchase rate, the document gives a band — 14.99% at the bottom, 17.99% at the top, 3 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Read against the index, the low end ranks around the 33rd percentile and the high end around the 28th — the band straddles a wide stretch of the market this corpus describes.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The cost of carrying a balance

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $296 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $73 annually against that benchmark.

Month to month it reads as about $22.34 per cycle on that balance.

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.

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.

For cash advances the filing discloses a cash advance fee of $10 or 2% of the advance, whichever is greater.

Transfers are charged $10 or 2% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Transferring $3,000 would cost roughly $60 at the door.

When a payment is late

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

The no-interest path

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Inside Associated Healthcare Credit Union's filed lineup

There are 6 filings from Associated Healthcare Credit Union in this index. Pricing across this issuer's filings is uniform at 17.99% — the rate table does not distinguish one of its cards from another.

The limits of this document

The disclosure parsed here does not state a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The document itself

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 17.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.