Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
Spectra Federal Credit Union's filed agreement for Visa Gold Credit Card Account Opening Disclosure discloses no annual fee.
What the document actually states
What follows is drawn entirely from Spectra Federal Credit Union's CFPB filing for Visa Gold Credit Card Account Opening Disclosure. It is issued on the Visa network and the filing runs two pages.
Terms captured from the document include an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.
When a payment is late
The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.
Where the fees are
The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.
The filing sets a 1% foreign transaction fee, which adds roughly $30 to $3,000 spent outside the United States.
Paying in full
The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.
What the filing does not tell you
Absent from the captured terms: a purchase rate and penalty pricing. The original document is the place to look for any of these.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
The document itself
Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Spectra Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Spectra Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Spectra Federal Credit Union
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Visa Platinum Credit Card Account Opening Disclosure
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.