Visa Rewards Credit Card Account Opening Disclosure

On the record for Visa Rewards Credit Card Account Opening Disclosure: a 17.99% purchase APR, filed by Idaho Central Credit Union. That purchase rate ranks near the 28th percentile across this corpus of 4,587 filings.

The disclosed terms

The document behind this page is Idaho Central Credit Union's filed agreement for Visa Rewards Credit Card Account Opening Disclosure. It is issued on the Visa network and the filing runs three pages.

The disclosure covers a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Note that the purchase APR row in this table carries no explicit label in the filing, which introduces some ambiguity about what it covers.

Pricing the purchase rate

Measured against every other filing on the site, 17.99% is about the 28th percentile for purchase APR; it sits below the middle of the distribution.

What the rate means in dollars

A $5,000 balance left untouched for twelve months accrues about $985 in interest at this purchase rate.

A typical filing in this index would charge about $1,229 on that balance; this one is roughly $244 a year below it.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What a missed payment costs

The maximum late fee is $15 — roughly the 11th percentile of the late fee ceilings disclosed across this index.

Where the fees are

The filing sets a 1% foreign transaction fee, which adds roughly $20 to $2,000 spent outside the United States.

Paying in full

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. The typical filing here allows 25 days, so this one is tighter than most.

The issuer's other agreements

This is one of 11 Idaho Central Credit Union agreements collected here. Across that lineup purchase rates span 17.99% to 24%; this filing's 17.99% sits above 0 of the comparable ones.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

The original filing, 3 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. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.