SAFE Platinum Cash Rewards Visa Credit Card

S a F E Credit Union prices SAFE Platinum Cash Rewards Visa Credit Card as a margin over the Prime Rate rather than as a fixed APR, so the filing discloses the spread but not the cost. This page explains what that means and sets the other disclosed terms against the corpus.

The disclosed terms

What follows is drawn entirely from S a F E Credit Union's CFPB filing for SAFE Platinum Cash Rewards Visa Credit Card. The filing runs nine pages, and It is issued on the Visa network.

Terms captured from the document include a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Priced off the Prime Rate

This filing does not quote finished APRs. It states margins — numbers that are added to the Prime Rate to produce the rate actually charged. Everything below should be read that way.

Because the filing prices off an index, the dollar cost of a balance cannot be computed from the document alone. It is the current Prime Rate that completes the sum, and that changes.

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

What the card costs before you borrow

The filing sets a 1% foreign transaction fee, which adds roughly $30 to $3,000 spent outside the United States.

What a missed payment costs

Late payments are capped at $15 under this filing, about the 11th percentile of late fee maximums in the corpus.

Paying in full

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.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What is outside the disclosure

Absent from the captured terms: a purchase rate, anything about cash advances, an annual fee and penalty pricing. The original document is the place to look for any of these.

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.

Inside S a F E Credit Union's filed lineup

There are 15 filings from S a F E Credit Union in this index.

Go to the source

The original filing, 9 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

What can be said is how this card is priced, not what it costs. That distinction is the whole of the analysis here, and the agreement is the place to confirm the index it uses.