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About Our Ratings
Credit Needed
Excellent

Agriculture Federal Credit Union Visa® Platinum (with Rebates) Review

Top Features

Cashback on Gas
Up to 2.25%
Cashback on groceries
0.50%-1.00%
Cashback on other
0.50% - 1.00%
Annual Fee
None

This card compared to other cash back cards

Card Name
Agriculture Federal Credit Union Visa® Platinum (with Rebates)
Cashback on Gas
Up to 2.25%
3% at U.S. gas stations
2% at U.S. gas stations
Cashback on Groceries
0.50%-1.00%
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S. supermarkets on up to $6,000 per year in purchases
Cashback on other
0.50% - 1.00%
1% other purchases. Terms and limitations apply.
1% other purchases. Terms and limitations apply.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0% on Purchases
Period:
for 12 months
Purchase APR
12.90% (Variable)
13.49%-23.49% Variable 
13.49%-23.49% Variable 
CardRatings.com Editorial Staff

Agriculture Federal Credit Union Visa® Platinum (with Rebates) details

Balance Transfer Intro APR:
2.99% (Fixed): Rate quoted is for balance transfers from non-AgFed accounts only. Rate applicable for 12 months from the first qualifying transaction. Rate will revert to the current VISA Platinum rate after 12 months.
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
N/A
Purchase APR:
12.90%
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.40%
 9.40%
 9.40%
APR:
  12.90%
(Variable)
 12.90%
 12.90%
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 2.99% (Fixed): Rate quoted is for balance transfers from non-AgFed accounts only. Rate applicable for 12 months from the first qualifying transaction. Rate will revert to the current VISA Platinum rate after 12 months.
 N/A
Intro Period:
 None
 12 months
 None


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 17.90%
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 
Maximum Default APR:
 Fixed
Penalty/Default Trigger:
 If your account becomes 60 days delinquent

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 $35 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 VISA Platinum Cash Rebates are currently offered on a tiered system: 0.50% for net monthly purchases up to the first $1,500; 1% for remainder net monthly purchase over $1,500; additional 1.25% on all gas purchases.
Special Notes:
 You must be a member of the Agriculture FCU to apply for this credit card. Qualification for a VISA Classic/Platinum is based on a credit evaluation and other factors. Your actual APR will be disclosed at the time of credit approval. Returned payment fee is up to $25. Late Payment Fee: $35 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $30 or the amount of the required minimum payment, whichever is less. According to the website's FAQ, All the cards come with penalty pricing, which means that if your account becomes 60 days delinquent, the rate will be increased to 17.9% APR and remain at that rate until it has been current for 6 months, after which the rate will revert to its original percentage.
Credit Card More Information:

Card Issued By:
 Agriculture FCU
General Correspondence Address:
PO Box 3419
Alexandria, VA 22302
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 $30000 max.
Credit Limit Notes:
 

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Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good