VISA Platinum REWARDS MLA Intro Rate Disclosure 2

VISA Platinum REWARDS MLA Intro Rate Disclosure 2 2026, as filed by Truity Federal Credit Union, carries a purchase APR of 14.49%–18% and no annual fee. The purchase rate sits at roughly the 34th percentile of the 4,587 agreements indexed here.

On the face of the filing

This page covers the agreement Truity Federal Credit Union filed for VISA Platinum REWARDS MLA Intro Rate Disclosure 2 2026. The filing runs five pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Pricing the purchase rate

Purchases price between 14.49% and 18% under this filing. The 3.51-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 29th percentile and the high end around the 34th — the band straddles a wide stretch of the market this corpus describes.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The cost of carrying a balance

Carry $2,500 on this card for a year without paying it down and the purchase rate alone generates roughly $493 in interest.

Priced at the median of 21.99%, that balance would generate about $615 in a year — so this agreement comes in around $122 cheaper for the same debt.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

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.

Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.

What a missed payment costs

On the fee side, a late payment can cost up to $28, which is around the 46th percentile here.

The issuer's other agreements

This is one of 5 Truity Federal Credit Union agreements collected here. The issuer's own range is 14.99%–18%. At 18%, this agreement is dearer than 1 of its siblings.

The limits of this document

Absent from the captured terms: anything about cash advances, balance transfer terms, a grace period 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, five 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.