Visa Platinum Pro Disclosure

Visa Platinum Pro Disclosure, as filed by Americas First Federal Credit Union, carries a 8.8% purchase APR and a $25 annual fee. That purchase rate ranks near the 3rd percentile across this corpus of 4,587 filings.

The disclosed terms

Visa Platinum Pro Disclosure is one of the agreements Americas First Federal Credit Union has on file with the CFPB. The filing runs one page, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

Where the purchase APR sits

Set beside the rest of the index, the purchase APR of 8.8% lands at the 3rd percentile; it lands at the extreme low end of the filings.

What a balance actually costs

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $138.

Priced at the median of 21.99%, that balance would generate about $369 in a year — so this agreement comes in around $231 cheaper for the same debt.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

The fee structure

$25 a year is the disclosed annual fee, which ranks near the 78th percentile of the fees filed across this corpus.

Taking cash against the card means a cash advance APR of 8.8%.

Transferred balances are priced at 8.8%; no separate transfer fee was captured from the filing.

The downside terms

On the fee side, a late payment can cost up to $27, which is around the 45th percentile here.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

The issuer's other agreements

There are 11 filings from Americas First Federal Credit Union in this index. Across that lineup purchase rates span 7.8% to 14.8%; this filing's 8.8% sits above 1 of the comparable ones.

Its $25 annual fee is higher than 5 of the 5 sibling filings that state one.

What the filing does not tell you

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Go to the source

The original filing, 1 page long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The purchase rate of 8.8% is one of the cheaper figures in this index — the central point in the agreement's favour. The $25 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.