Visa Credit Card Agreement

Redwood Credit Union's filed agreement for 248 Visa Credit Card Agreement 012325 discloses no annual fee.

What this filing discloses

248 Visa Credit Card Agreement 012325 is one of the agreements Redwood Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs 12 pages.

The filing is explicit about an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Fees, and what triggers them

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $0.

Transfers are charged a flat $0, though no distinct transfer APR appears in the document.

Spending abroad costs an extra 1% — about $20 on $2,000 of purchases, independent of interest.

When a payment is late

The maximum late fee is $15 — roughly the 11th percentile of the late fee ceilings disclosed across this index.

Inside Redwood Credit Union's filed lineup

9 separate Redwood Credit Union filings appear in the corpus.

What is outside the disclosure

The disclosure parsed here does not state a purchase rate, a grace period 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

The filed PDF is linked from this page and runs 12 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

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