Visa Signature Cash Back

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

The disclosed terms

Landmark Credit Union filed this agreement for Visa® Signature Cash Back with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs two pages.

The filing is explicit about a cash advance rate, a late payment maximum and a grace period. A purchase rate, a balance transfer rate and a penalty rate are not stated.

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

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.

What a missed payment costs

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

What the card costs before you borrow

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

Paying in full

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

Against the rest of Landmark Credit Union's filings

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.

What the filing does not tell you

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.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

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.