Rewards Visa

Rewards Visa®, as filed by Landmark Credit Union, carries a 3% introductory rate.

What the agreement puts on the record

Landmark Credit Union submitted the terms for Rewards Visa® to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs two pages.

The disclosure covers a cash advance rate, a late payment maximum and a grace period. It is silent on a purchase rate, a balance transfer rate and a penalty rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

The introductory rate

An introductory rate of 3% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 3% sits at about the 83rd percentile.

Charges beyond interest

Taking cash against the card means a cash advance APR of 29.99%.

What a missed payment costs

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

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Against the rest of Landmark Credit Union's filings

Landmark Credit Union has 22 agreements indexed on this site. Their disclosed purchase rates run from 0% to 23.99%, though this particular filing does not state one in comparable form.

What you cannot learn from the filing

This page cannot tell you a purchase rate, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

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.

Go to the source

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

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.