Preferred Rate CardChartway Credit Union · federal credit union, TX · NCUA 13242
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer websiteFiled as “VISA PREFERRED RATE”
Purchase APR
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Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 months | 0%CHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “* APR = Annual Percentage Rate. Introductory 0% APR for 12 months on balance transfers made within the first 60 days of account opening. 3% balance transfer fee. After the promotional period, the APR will vary with the market based on the Prime Rate up to 17.89%.”CHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | up to 17.89% variableCHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “* APR = Annual Percentage Rate. Introductory 0% APR for 12 months on balance transfers made within the first 60 days of account opening. 3% balance transfer fee. After the promotional period, the APR will vary with the market based on the Prime Rate up to 17.89%.”CHARTWAY · 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 feeCHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual fee”CHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | 3% of the amount, * APR = Annual Percentage Rate. Introductory 0% APR for 12 months on balance transfers made within the first 60 days of account opening. 3% balance transfer fee. After the promotional period, the APR will vary with the market based on the Prime Rate up to 17.89%.CHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “* APR = Annual Percentage Rate. Introductory 0% APR for 12 months on balance transfers made within the first 60 days of account opening. 3% balance transfer fee. After the promotional period, the APR will vary with the market based on the Prime Rate up to 17.89%.”CHARTWAY · 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; Balance transfer · Regular | * APR = Annual Percentage Rate. Introductory 0% APR for 12 months on balance transfers made within the first 60 days of account opening. 3% balance transfer fee. After the promotional period, the APR will vary with the market based on the Prime Rate up to 17.89%.CHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “* APR = Annual Percentage Rate. Introductory 0% APR for 12 months on balance transfers made within the first 60 days of account opening. 3% balance transfer fee. After the promotional period, the APR will vary with the market based on the Prime Rate up to 17.89%.”CHARTWAY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |