Schumer Platinum Prime Visa Rate

Rivermark Community Credit Union's filed agreement for Schumer Platinum Prime Visa Rate 12025 discloses no annual fee.

The disclosed terms

The document behind this page is Rivermark Community Credit Union's filed agreement for Schumer Platinum Prime Visa Rate 12025. It is issued on the Visa network and the filing runs one page.

On the record here: a cash advance rate, a balance transfer rate, an annual fee line, a late payment maximum and a foreign transaction fee. A purchase rate and a penalty rate are not stated.

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

What the card costs before you borrow

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 APR of 9.9%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The filing discloses a 9.9% balance transfer rate without an accompanying fee figure.

The filing sets a 1% foreign transaction fee, which adds roughly $20 to $2,000 spent outside the United States.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

Default pricing

No penalty APR appears in this filing by design — the document says there is none, which removes the single largest cost of a missed payment in most agreements here.

Late payments are capped at $0 under this filing, about the 2nd percentile of late fee maximums in the corpus.

Inside Rivermark Community Credit Union's filed lineup

This is one of 12 Rivermark Community Credit Union agreements collected here.

What you cannot learn from the filing

Absent from the captured terms: a purchase rate. The original document is the place to look for any of these.

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 original filing, 1 page long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.