VISA Cash Back - Directions Credit Union

VISA Cash Back is issued by Directions Credit Union. The issuer publishes part of this card's pricing, though not its purchase APR.

What you are looking at

A cash-back card: rewards are paid as a statement credit or a deposit rather than as points to redeem.

The introductory offer

There is an introductory rate of 3.99% on purchases for 6 months. An intro rate is a real saving and a deadline at the same time: the balance does not clear itself when the period ends, and whatever is left begins accruing at the ongoing rate.

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. A late payment costs up to $25.

The gaps

Directions Credit Union does not publish the purchase APR on the page where this card appears. We have not filled those gaps with typical figures, because a plausible number is indistinguishable from a real one once it is printed beside a card.

The rates and fees for any card are disclosed in full before you submit an application, and the issuer has to give them to you then. If you want them beforehand, the issuer's cardholder agreements filed with the CFPB are linked on this page.

In short

There is not enough published pricing here to judge what this card costs. Treat the application disclosure as the first real information you will get, and read it before you submit.

The card name, the image and the application link on this page were read from Directions 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 Directions 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.