Rewards Visa

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

The disclosed terms

The document behind this page is Landmark Credit Union's filed agreement for Rewards Visa®. It is issued on the Visa network and the filing runs two pages.

Terms captured from the document include a cash advance rate, a late payment maximum and a grace period. No figure appears for a purchase rate, a balance transfer rate and a penalty rate.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

The promotional period

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.

Fees, and what triggers them

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

What a missed payment costs

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Inside Landmark Credit Union's filed lineup

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

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

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.