Rewards Visa

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

The disclosed terms

Rewards Visa® is one of the agreements Landmark Credit Union has on file with the CFPB. The filing runs two pages, and It is issued on the Visa network.

The filing is explicit about 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.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

What the promotional rate is worth

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.

What the card costs before you borrow

For cash advances the filing discloses a cash advance APR of 29.99%.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Inside Landmark Credit Union's filed lineup

22 separate Landmark Credit Union filings appear in the corpus. Their disclosed purchase rates run from 0% to 23.99%, though this particular filing does not state one in comparable form.

The limits of this document

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.

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

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