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

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:
APR:
12 months
Balance Transfer Fee:
0% ($0 min. )
Annual Fee:
$0
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.65
 9.65
 9.65
APR:
  12.90% (Variable)
 12.90% (Variable)
 12.90% (Variable)
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
Default/Penalty APR:
 17.90% Fixed
Default/Penalty Margin:
 
Default/Penalty APR Floor:
 
Maximum Default APR:
 Fixed
Penalty/Default Trigger:
 If your account becomes 60 days delinquent

Credit Card Fee Information:


Annual Fee:
 $0
Foreign Transaction Fee:
 0%
Late Fee:
 N/A
Over-the-limit Fee:
 0% ( $0 max.)
Balance Transfer Fee:
0% ($0 min. )  


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
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 Cash Back, Balance Transfer
States Available In:
 ALL
Minimum Credit Limit:
 
Maximum Credit Limit:
 $30000 max.
Credit Limit Notes:
 

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
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  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Credit Needed:
Excellent
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  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
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Credit Needed:
Excellent/Good