Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | 1% |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
On the record for plusONE Visa Cashback Credit Card Account Opening Disclosure 16 99%: no annual fee, filed by Member One Federal Credit Union.
The disclosed terms
plusONE Visa Cashback Credit Card Account Opening Disclosure 16 99% is one of the agreements Member One Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs two pages.
Terms captured from the document include 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.
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.
Spending abroad costs an extra 1% — about $50 on $5,000 of purchases, independent of interest.
Paying in full
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.
Default pricing
On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.
How it sits in the issuer's own range
There are 9 filings from Member One Federal Credit Union in this index.
What the filing does not tell you
This page cannot tell you a purchase rate and penalty pricing, because the filing's disclosure table as read does not contain them.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
The document itself
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.
The source document
This page is a reading of one document: the cardholder agreement Member One Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Member One Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Member One Federal Credit Union
-
Member Everyday Visa Credit Card Account Opening Disclosure 14 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Member Everyday Visa Credit Card Account Opening Disclosure 17 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Member Everyday Visa Credit Card Account Opening Disclosure 9 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Member One Soliciation Disclosure 3 99%
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.