Elevations Visa Signature Application and Solicitation Disclosure

On the record for Elevations Visa Signature Application and Solicitation Disclosure 121824: no annual fee, filed by Elevations Credit Union.

What the document actually states

Elevations Credit Union filed this agreement for Elevations Visa Signature Application and Solicitation Disclosure 121824 with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs three pages.

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.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

Fees, and what triggers them

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 3% — about $60 on $2,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Default pricing

$15 is the disclosed ceiling on a late payment fee, placing it near the 11th percentile of the set.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

Inside Elevations Credit Union's filed lineup

4 separate Elevations Credit Union filings appear in the corpus.

The limits of this document

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and penalty pricing. The original document is the place to look for any of these.

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs three 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.