Dow Credit UnionREBATE ELIGIBLE VISA® CREDIT CARDRegistry illustration · issuer artwork unavailable

REBATE ELIGIBLE VISA® CREDIT CARDDow Credit Union · state credit union, MI · NCUA 60137

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

12.49%

p.1variable

Balance transfer

—

Cash advance APR

12.49%

p.1variable

Annual fee

p.1none

Foreign fee

p.1

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	12.49% variableDOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.49% After that, your APRwill vary with the market based on the Prime Rate.”DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	12.49% variableDOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.49% After that, your APRwill vary with the market based on the Prime Rate.”DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	$0DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$0.00”DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	up to $25DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25.00”DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	up to $25DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25.00”DOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

Rebate Eligible Visapage 1 of 7

REBATE ELIGIBLE VISA ® CREDIT CARD AGREEMENT & DISCLOSURE

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases · 12.49% After that, your APRwill vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Cash Advances · 12.49% After that, your APRwill vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Balance Transfers · 3.90% Introductory APRfor the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening. After that, your APRwill vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (including balance transfers) if you pay your entire balance by the due date each month. We will begin charging interest on cash advances 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 l International Transaction Fee · $0.00 Penalty Fees l Late Payment · Up to $25.00 l Returned Payment Charge · Up to $25.00 Other Fees l Statement Copy Fee · $ 0.20 per page l 2-Day Rush Card Fee · $30.00 l Instant Reissue Card Fee · $ 5.00 l Payment by Phone Fee · $ 5.00

How We Will Calculate Your Balance: Weuse a method called 'Average Daily Balance (excluding new purchases).'

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Additional Disclosures Required by Federal Law.

Frequently Used Terms: For the purposes this document, "Agreement" is defined as all disclosures and terms that are included in the REBATE ELIGIBLE VISA CREDIT CARD AGREEMENT & DISCLOSURE (also referenced in the Application as the "Consumer Credit Card Agreement and Disclosure").

MILITARY LENDING ACT DISCLOSURES

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

1 2 3 4 5 6 7Pages 1 and 2 are cited

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.

DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.49% After that, your APRwill vary with the market based on the Prime Rate.”
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.49% After that, your APRwill vary with the market based on the Prime Rate.”
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$0.00”
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25.00”
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25.00”
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“(D) Introductory Balance Transfer Rate Change : Balance Transfers made on your account within 90 days of account opening will be subject to a INTEREST CHARGE at a Daily Periodic Rate of 0.01068%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) of 3.9000% . The Introductory Balance Transfer rate will be applicable for 15 billing cycles from the account opening. After the first 15 billing cycl…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (including balance transfers) if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Cash advance APR, Foreign transaction fee, Late payment fee, Purchase APR, Returned payment fee

Offered through: Dow Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60137
Branches: 2 in MI
Sources: Official issuer · 1 document · 2 pages cited

Documents

Rebate Eligible Visaeffective date not parsed

REBATE ELIGIBLE VISA® CREDIT CARDDow Credit Union · state credit union, MI · NCUA 60137

Rates and fees