Visa Solicitation

Visa Solicitation 01 01 2026, as filed by Vantage West Credit Union, carries a purchase APR of 17.24%–29.24%, no annual fee and a 12-month 0% opening period. The purchase rate sits at roughly the 70th percentile of the 4,587 agreements indexed here.

What the document actually states

Vantage West Credit Union filed this agreement for Visa Solicitation 01 01 2026 with the Consumer Financial Protection Bureau. The filing runs two pages, and It is issued on the Visa network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

What the promotional rate is worth

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

Behind the promotion sits a 29.24% purchase rate. On $2,000 that is in the region of $679 a year once the window closes.

Valued honestly, 12 months at zero on $2,000 avoids about $679 of interest compared with the go-to rate — the whole of what the promotion delivers.

The purchase rate in context

Purchases price between 17.24% and 29.24% under this filing. The 12-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 46th percentile and the high end around the 70th — the band straddles a wide stretch of the market this corpus describes.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

Translating the rate into money

At the disclosed purchase APR, $2,500 revolving for a full year costs something like $849 in interest.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $234 more annually for the identical balance.

Per statement cycle that is on the order of $60.79 on $2,500, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

What a missed payment costs

Late payments are capped at $27 under this filing, about the 45th percentile of late fee maximums in the corpus.

Where the fees are

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.

For cash advances the filing discloses a cash advance APR of 29.99%. The premium over purchases is 0.75 percentage points.

Moving a balance onto this card carries an up-front charge of 2.99% of the amount transferred, with the transferred balance priced at 17.24%. On $2,000 that fee is about $60 before any interest is charged.

The filing sets a 1% foreign transaction fee, which adds roughly $30 to $3,000 spent outside the United States.

The grace period

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.

Inside Vantage West Credit Union's filed lineup

3 separate Vantage West Credit Union filings appear in the corpus.

The limits of this document

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

29.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.