Before you read the numbers.
The only purchase rate this filing states is a promotional one. The rate that applies after the promotional period is not disclosed in this document, and it is the more important of the two.
The annual fee is disclosed as waived for the first year. The recurring fee from year two is the number that matters over the life of the account.
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.
| Introductory APR | 1.99% for 6 months |
|---|---|
| Annual fee | $49 |
| Late payment fee | up to $25 |
| Foreign transaction fee | None |
| Grace period | 21 days |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
The Visa Signature Pricing Disclosure filing from We Florida Financial sets out a $49 annual fee and a 1.99% introductory rate.
What this filing discloses
The document behind this page is We Florida Financial's filed agreement for Visa Signature Pricing Disclosure. The filing runs one page, and It is issued on the Visa network.
The disclosure covers an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for 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.
The promotional period
The introductory rate is 1.99%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.
Among the 763 filings here that disclose an introductory rate, 1.99% sits at about the 66th percentile.
Only the introductory figure parsed cleanly here. Since the rate after the promotion is the one that governs the account for most of its life, this page cannot describe the real cost of the card.
Where the fees are
Holding the card costs $49 a year before any transaction takes place — about the 87th percentile among agreements in this index that state a fee.
Year one is free of the fee per the filing; $49 applies thereafter.
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.
What a missed payment costs
On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.
Paying in full
Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. The typical filing here allows 25 days, so this one is tighter than most.
The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.
Against the rest of We Florida Financial's filings
5 separate We Florida Financial filings appear in the corpus.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
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
This summary stands or falls on the linked PDF — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Against that sits the $49 annual fee, which is unavoidable once the account is open. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.
The source document
This page is a reading of one document: the cardholder agreement We Florida Financial filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by We Florida Financial, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from We Florida Financial
-
Visa Platinum and Secured Pricing Disclosure
Agreement filed with the CFPB
- Purchase APR
- 8.9%–16.9%
- Annual fee
- $50
- Foreign tx fee
- 3%
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.