Bellco Credit UnionVisa® Platinum Credit CardRegistry illustration · issuer artwork unavailable

Visa® Platinum Credit CardBellco Credit Union · state credit union, CO · NCUA 68437

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer

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Purchase APR

13.25%–21%

variable

Balance transfer

1.99% for 12 mo

then 13.25%–21%

Cash advance APR

—

Annual fee

no annual fee

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 6 months	0%BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“0% Intro APR”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
	13.25%–21% variableBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“on new purchases for the first 6 months – 13.25% to 21% variable APR thereafter”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 12 months	1.99%BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“1.99% Intro APR”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
After	13.25%–21%BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“After that, the Standard APR will be 13.25% to 21%”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	no annual feeBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“no annual fee”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	3% of the amount, minimum $5, Balance transfer fee is either $5 or 3% of the amount of the balance transfer, whichever is greater.BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Balance transfer fee is either $5 or 3% of the amount of the balance transfer, whichever is greater.”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
APR qualificationsBalance transfer · Introductory	for 12 months on balance transfers that occur in the first 90 days.BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“for 12 months on balance transfers that occur in the first 90 days.”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Regular	After that, the Standard APR will be 13.25% to 21%BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“After that, the Standard APR will be 13.25% to 21%”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsPurchase · Introductory; Purchase · Regular	on new purchases for the first 6 months – 13.25% to 21% variable APR thereafterBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“on new purchases for the first 6 months – 13.25% to 21% variable APR thereafter”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Visa Platinum Account Disclosure (Increase)page 1 of 1

Bellco Credit Union Account Disclosure Visa® Platinum Credit Card

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 9.50% to 21% based on creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers · 21% APR for Cash Advances · 21% Penalty APR · None Paying Interest · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances or balance transfers on the transaction date. Minimum Interest Charge · None For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee · None Transaction Fees Balance Transfer Cash Advance Foreign Transaction · Either $10 or 4% of the amount of each balance transfer, whichever is greater (maximum fee: $75) Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee $75) Up to 1% of each transaction in U.S. dollars. Penalty Fees Late Payment Returned Payment Over the Limit Fee · The lesser of minimum payment due or $25 . $10 . None

How We Will Calculate Your Balance: See your account agreement for more details.

Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.

Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate for purchases will range from 0.0260% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 9.50% to 21%. The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%. Balance transfers will be considered a cash advance and will accrue interest like a cash advance. Balance transfers will be referred to as cash advance for purposes of this disclosure.

Effective Date : This disclosure is effective as of April 1, 2020 and is subject to change after date listed.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

1No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“for 12 months on balance transfers that occur in the first 90 days.”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“1.99% Intro APR”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“After that, the Standard APR will be 13.25% to 21%”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“on new purchases for the first 6 months – 13.25% to 21% variable APR thereafter”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“0% Intro APR”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“no annual fee”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“Balance transfer fee is either $5 or 3% of the amount of the balance transfer, whichever is greater.”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:69f2890e2bf130a0ee6bdc5fd40790a064f8a008dba79d5c963a3a67959d3d13
“Visa Platinum Benefits Guide”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Issuer link, Purchase APR

Offered through: Bellco Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68437
Branches: 30 in CO
Sources: Official issuer · 1 document · 0 pages cited

Documents

Visa Platinum Account Disclosure (Increase)effective date not parsed

Visa® Platinum Credit CardBellco Credit Union · state credit union, CO · NCUA 68437

Rates and fees