VISA Platinum and VISA Platinum Rewards Disclosure

On the record for VISA Platinum and VISA Platinum Rewards Disclosure: a purchase APR of 9.7%–20.7% and no annual fee, filed by Consumers Credit Union. The purchase rate sits at roughly the 44th percentile of the 4,587 agreements indexed here.

On the face of the filing

The document behind this page is Consumers Credit Union's filed agreement for VISA Platinum and VISA Platinum Rewards Disclosure. The filing runs three pages, and It is issued on the Visa network.

On the record here: 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.

One important caveat sits on top of everything else here: the rate table in this filing covers more than one product. Figures shown on this page may belong to a sibling card in the same table rather than to this one, and only the PDF can settle which row applies.

How the purchase rate compares

Purchases price between 9.7% and 20.7% under this filing. The 11-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 9th percentile of filed purchase rates; the ceiling sits at about the 44th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $230.

A typical filing in this index would charge about $246 on that balance; this one is roughly $16 a year below it.

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.

Where the fees are

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

For cash advances the filing discloses a cash advance APR of 9.7%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Transferred balances are priced at 9.7%; no separate transfer fee was captured from the filing.

The filing sets a 1% foreign transaction fee, which adds roughly $15 to $1,500 spent outside the United States.

Default pricing

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

The limits of this document

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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.

How it sits in the issuer's own range

10 separate Consumers Credit Union filings appear in the corpus.

The document itself

This summary stands or falls on the linked PDF — three pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 20.7% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. And because the filing covers several products in one table, even the figures that are right may belong to a different card.