Visa Signature Cash Back

On the record for Visa® Signature Cash Back: a 3% introductory rate, filed by Landmark Credit Union.

What the document actually states

The document behind this page is Landmark Credit Union's filed agreement for Visa® Signature Cash Back. It is issued on the Visa network and the filing runs two pages.

Terms captured from the document include 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.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

The introductory rate

An introductory rate of 3% appears without a disclosed duration.

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

Penalty pricing and late fees

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Where the fees are

Cash advances carry a cash advance APR of 29.99%.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

Inside Landmark Credit Union's filed lineup

22 separate Landmark Credit Union filings appear in the corpus. 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

Absent from the captured terms: a purchase rate, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

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