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 $15 |
| Foreign transaction fee | 1% |
| Cash advance fee | $0 |
| Balance transfer fee | $0 |
| Network | Visa |
Analysis
249 Visa Credit Card Agreement Signature 021125, as filed by Redwood Credit Union, carries no annual fee.
What this filing discloses
What follows is drawn entirely from Redwood Credit Union's CFPB filing for 249 Visa Credit Card Agreement Signature 021125. It is issued on the Visa network and the filing runs 12 pages.
The disclosure covers an annual fee line, a late payment maximum and a foreign transaction fee. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.
The fee structure
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.
Taking cash against the card means a cash advance fee of $0.
A balance transfer costs a flat $0 up front. The filing does not separately state the rate applied to transferred balances.
Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.
Penalty pricing and late fees
$15 is the disclosed ceiling on a late payment fee, placing it near the 11th percentile of the set.
Against the rest of Redwood Credit Union's filings
9 separate Redwood Credit Union filings appear in the corpus.
What you cannot learn from the filing
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.
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.
Go to the source
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
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 Redwood 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 Redwood Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Redwood Credit Union
-
Visa Credit Card Agreement
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Visa Credit Card Agreement and Disclosure
Agreement filed with the CFPB
- Annual fee
- $0
-
Visa Credit Card Agreement Signature
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
-
Visa Credit Card Agreement with Pledge
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.