Visa Basic - Goldenwest Credit Union

Visa Basic is issued by Goldenwest Credit Union. The issuer publishes a purchase APR of 10.24% and no annual fee.

What borrowing on it costs

What 10.24% actually costs: about $102 a year on a $1,000 balance, or roughly $9 each month. That is simple interest on a flat balance, so read it as a scale rather than a bill — real interest compounds daily and moves with what you owe.

Fees worth knowing

There is no annual fee. Foreign transactions cost 1%, applied to anything processed outside the US — including online purchases from foreign sellers. Balance transfers carry no fee, which is unusual and worth real money if you intend to move a balance.

A late payment costs up to $22.

In short

A card with no annual fee and a published rate of 10.24%. Whether that rate matters to you turns on one thing: clear the statement balance every month and you will never be charged it.

The card name, the image and the application link on this page were read from Goldenwest Credit Union's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Goldenwest Credit Union's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. Those unmatched documents no longer get pages of their own on this site: a page named after a PDF is not something a reader can use. They remain published as documents, linked from this page and from the issuer's. How we read the filings.