Visa Signature Cash Back

The Visa® Signature Cash Back filing from Landmark Credit Union sets out a 3% introductory rate.

What the agreement puts on the record

Landmark Credit Union filed this agreement for Visa® Signature Cash Back with the Consumer Financial Protection Bureau. The filing runs two pages, and It is issued on the Visa network.

The filing is explicit about a cash advance rate, a late payment maximum and a grace period. It is silent on a purchase rate, a balance transfer rate and a penalty rate.

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

What the promotional rate is worth

The filing discloses an introductory rate of 3% but no term for it.

Among the 763 filings here that disclose an introductory rate, 3% sits at about the 83rd percentile.

Default pricing

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

What the card costs before you borrow

Cash advances carry a cash advance APR of 29.99%.

The no-interest path

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 Landmark Credit Union's filed lineup

Landmark Credit Union has 22 agreements indexed on this site. Their disclosed purchase rates run from 0% to 23.99%, though this particular filing does not state one in comparable form.

What you cannot learn from the filing

This page cannot tell you a purchase rate, balance transfer terms, an annual fee and a foreign transaction fee, 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.

Reading the agreement yourself

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

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.