Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $35 |
| Foreign transaction fee | 1% |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
Visa Credit Card Account Agreement 7 1 2022, as filed by Advantis Credit Union, carries no annual fee.
What the document actually states
The document behind this page is Advantis Credit Union's filed agreement for Visa Credit Card Account Agreement 7 1 2022. The filing runs seven pages, and It is issued on the Visa network.
The disclosure covers an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.
These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.
What the card costs before you borrow
No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.
Spending abroad costs an extra 1% — about $20 on $2,000 of purchases, independent of interest.
Default pricing
The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.
The no-interest path
The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.
What is outside the disclosure
The disclosure parsed here does not state a purchase rate and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Against the rest of Advantis Credit Union's filings
10 separate Advantis Credit Union filings appear in the corpus.
Where the authority sits
The filed PDF is linked from this page and runs seven pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Advantis Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Advantis Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Advantis Credit Union
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
-
Consumer Credit Card Application and Solicitation Disclosure Effective
Agreement filed with the CFPB
- Annual fee
- $0
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.