Visa Platinum Terms and Conditions

Trustone Financial Credit Union's filed agreement for Visa Platinum Terms and Conditions discloses a purchase APR of 13.65%–17.9% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 24th percentile.

What the agreement puts on the record

The document behind this page is Trustone Financial Credit Union's filed agreement for Visa Platinum Terms and Conditions. The filing runs one page, and It is issued on the Visa network.

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

The purchase rate in context

Purchases price between 13.65% and 17.9% under this filing. The 4.25-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 25th percentile of filed purchase rates; the ceiling sits at about the 24th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

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.

What a balance actually costs

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $294.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $75 annually against that benchmark.

Month to month it reads as about $22.23 per cycle on that balance.

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.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Penalty pricing and late fees

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

The no-interest path

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

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

The limits of this document

This page cannot tell you anything about cash advances and penalty pricing, 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 issuer's other agreements

This is one of 6 Trustone Financial Credit Union agreements collected here. Every one of the others that discloses a purchase rate discloses the same 17.9%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

Reading the agreement yourself

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

In short

At 17.9% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.