Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	13.49% variableDOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“13.49% 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	13.49% variableDOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“13.49% 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 cash advances	13.49% variableDOW · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“13.49% 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	—	no source read
Returned payment	—	no source read

Rewards Visapage 1 of 7

REWARDS VISA ® CREDIT CARD AGREEMENT & DISCLOSURE

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases · 13.49% After that, your APRwill vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Cash Advances · 13.49% After that, your APRwill vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Balance Transfers · 13.49% 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 l Returned Payment Charge Fees l Statement Copy Fee l 2-Day Rush Card Fee l Instant Reissue Card Fee l Payment by Phone Fee · Up to $25.00 Up to $25.00 $ 5.00 Other · $ 0.20 per page $30.00 $ 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 REWARDS 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).

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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
“13.49% 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
“13.49% After that, your APRwill vary with the market based on the Prime Rate.”
Read exact source ↗
DOW
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“13.49% After that, your APRwill vary with the market based on the Prime Rate.”
Read exact source ↗
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
“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, Balance transfer APR, Cash advance APR, Foreign transaction fee, Purchase APR

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 · 1 page cited

Documents

Rewards Visaeffective date not parsed

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

Rates and fees