Visa Signature Rewards/Visa Platinum

On the record for Visa Signature Rewards/visa Platinum: a purchase APR of 12.99%–17.99% and a 2.99% introductory rate, filed by Usf Federal Credit Union. The purchase rate sits at roughly the 28th percentile of the 4,587 agreements indexed here.

What this filing discloses

Visa Signature Rewards/visa Platinum is one of the agreements Usf Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs three pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, a late payment maximum and a foreign transaction fee. No figure appears for a penalty rate and an annual fee line.

One important caveat sits on top of everything else here: the rate table in this filing covers more than one product. Figures shown on this page may belong to a sibling card in the same table rather than to this one, and only the PDF can settle which row applies.

The promotional period

For the first 12 months the filing sets a reduced rate of 2.99%. Balances still cost something during that window.

Among the 763 filings here that disclose an introductory rate, 2.99% sits at about the 79th percentile.

What matters more than the promotion is the rate waiting behind it: 17.99%. A $2,500 balance that survives the promotional window costs roughly $493 a year from that point on.

The purchase rate in context

Rather than a single purchase rate, the document gives a band — 12.99% at the bottom, 17.99% at the top, 5 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 23rd percentile at the bottom and the 28th at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

A $5,000 balance left untouched for twelve months accrues about $985 in interest at this purchase rate.

Priced at the median of 21.99%, that balance would generate about $1,229 in a year — so this agreement comes in around $244 cheaper for the same debt.

Month to month it reads as about $74.46 per cycle on that balance.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Where the fees are

For cash advances the filing discloses a cash advance fee of $10 or 2% of the advance, whichever is greater and a cash advance APR of 12.99%. The two halves of that fee cross at about $500: below it the flat $10 applies, above it the percentage does. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Transferred balances are priced at 12.99%; no separate transfer fee was captured from the filing.

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

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

Default pricing

$30 is the disclosed ceiling on a late payment fee, placing it near the 49th percentile of the set.

The issuer's other agreements

Usf Federal Credit Union has 3 agreements indexed on this site.

What you cannot learn from the filing

Absent from the captured terms: an annual fee and penalty pricing. The original document is the place to look for any of these.

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

Everything here is a reading of the filed agreement, three pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 17.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.