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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%
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
0.50%-1.00%
1%
5% Earnings for $5k and 2% after
Cashback on other
0.50% - 1.00%
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
N/A
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
12.90% (Variable)
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
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 Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good