VISA Platinum Credit Card Agreement & Disclosure

VISA Platinum Credit Card Agreement & Disclosure 9 25 23, as filed by Rogue Credit Union, carries a purchase APR of 14.75%–18% and no annual fee. That purchase rate ranks near the 34th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement Rogue Credit Union filed for VISA Platinum Credit Card Agreement & Disclosure 9 25 23. It is issued on the Visa network and the filing runs four pages.

Terms captured from the document include a purchase rate, an annual fee line and a late payment maximum. It is silent on 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.

The purchase rate in context

This is a tiered agreement: the filing discloses a purchase APR anywhere from 14.75% to 18%, a spread of 3.25 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Read against the index, the low end ranks around the 32nd percentile and the high end around the 34th — the band straddles a wide stretch of the market this corpus describes.

What the rate means in dollars

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $296 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $73 annually against that benchmark.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Default pricing

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

Against the rest of Rogue Credit Union's filings

This is one of 3 Rogue Credit Union agreements collected here.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period, 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.

Where the authority sits

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

In short

18% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.