Empower Blue Credit UnionVISA Credit CardRegistry illustration · issuer artwork unavailable

VISA Credit CardEmpower Blue Credit Union · state credit union, KS · NCUA 60295

CurrentLast observed Aug 31, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

4%–18%

variable

Balance transfer

—

Cash advance APR

4%–18%

variable

Annual fee

a year

Foreign fee

of the amount

Grace period

Not offered

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
	4%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for cash advances	4%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not offered from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Transaction fees
Cash advance	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Foreign transaction	2% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty fees
First late fee	$10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Opening conditions	BCBSKS EmployeeConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website

Consumer Credit Card Agreement and Disclosurepage 1 of 5

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

VISA

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as 'Agreement') govern the terms and conditions of this Account. 'We,' 'Us,' 'Our' and 'Ours' and 'Credit Union' refers to Empower Blue Credit Union with which this Agreement is made. 'You,' 'Your,' and 'Yours' refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card.

SECURITY INTEREST

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase.

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount.

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance.

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.

USING YOUR ACCOUNT By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions.

CREDIT LIMIT We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law.

REPAYMENT You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest charges and fees.

For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.

The Minimum Payment Due is 3.50% of Your total New Balance, or $15.00, whichever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $15.00, then Your Minimum Payment Due is the amount of the total New Balance.

You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.

1 2 3 4 5No 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.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:empower-blue-credit-union:visa-credit-card
Fields: Professional Affiliation, Requirements for Opening, Requirements for Opening Types
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Empower Blue Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60295
Branches: 3 in KS
Sources: Government dataset · 1 document · 0 pages cited

Documents

Consumer Credit Card Agreement and Disclosureeffective date not parsed

VISA Credit CardEmpower Blue Credit Union · state credit union, KS · NCUA 60295

Rates and fees