Visa Platinum Rewards Credit Card Agreement

On the record for Visa Platinum Rewards Credit Card Agreement: a purchase APR of 8.49%–14.49% and no annual fee, filed by Firefly Federal Credit Union. Against the 4,587 filings on this site, that rate lands around the 13th percentile.

The disclosed terms

Firefly Federal Credit Union filed this agreement for Visa Platinum Rewards Credit Card Agreement with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs four pages.

The filing is explicit about a purchase rate, an annual fee line and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

Purchases price between 8.49% and 14.49% under this filing. The 6-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 5th percentile and the high end around the 13th — the band straddles a wide stretch of the market this corpus describes.

Translating the rate into money

At the disclosed purchase APR, $5,000 revolving for a full year costs something like $779 in interest.

A typical filing in this index would charge about $1,229 on that balance; this one is roughly $450 a year below it.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

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.

The no-interest path

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.

What is outside the disclosure

The disclosure parsed here does not state balance transfer terms, a foreign transaction fee 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.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

This summary stands or falls on the linked PDF — four pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

14.49% places this filing at the inexpensive end of the set, which is the headline here.