Skip to content
Banking RegistryReal data. Clear answers.Data as of Oct 15, 2026
Banking RegistryReal data. Clear answers.
Certified Credit UnionMore Rewards VISARegistry illustration · issuer artwork unavailable

More Rewards VISACertified Credit Union · federal credit union, CA · NCUA 9230

CurrentLast observed Oct 15, 2026Source date Oct 15, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Download JSONAdd to compare
Purchase APR
8.90%–17.90%
fixed
Balance transfer
0% for 6 billing cycles
then 8.90%–17.90%
Cash advance APR
8.90%–17.90%
fixed
Annual fee
NONE
a year
Foreign fee
1%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases8.90%–17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“8.90%”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR for balance transfersintroductory rate first
Introductory, 6 billing cycles0%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“Promotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions.”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
After8.90%–17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“8.90%”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR for cash advances8.90%–17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“8.90%”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Minimum interest charge$0.50CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“If you are charged periodic interest, the charge will be no less than $0.50”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Annual feeNONECERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“NONE”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Transaction fees
Cash advance2% of the amount, minimum $5, maximum $50, 2% charged on all cash advances (minimum $5.00, maximum $50.00) and $5.00CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“2% charged on all cash advances (minimum $5.00, maximum $50.00) and $5.00”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Balance transfer3% of the amount, minimum $5, 3% charged for all Balance Transfers with a minimum of $5.00CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“3% charged for all Balance Transfers with a minimum of $5.00”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Foreign transaction1% of the amount, 1% of international transaction requiring currency conversionCERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“1% of international transaction requiring currency conversion”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Penalty fees
Late payment—no source read
Returned payment$23, $23.00CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“$23.00”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Other APRsoutside the standard boxes17.90%CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“17.9%”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsBalance transfer · IntroductoryPromotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions.CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“Promotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions.”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regularbased on credit worthinessCERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“based on credit worthiness”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsPenalty · Regular This penalty APR may be applied to your account if you make a late payment.CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026“This penalty APR may be applied to your account if you make a late payment.”CERTIFIED · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website