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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Empower Blue Credit UnionVISA® Credit Card – BasicRegistry illustration · issuer artwork unavailable

VISA® Credit Card – BasicEmpower Blue Credit Union · state credit union, KS · NCUA 60295

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
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Purchase APR
14%
variable
Balance transfer
—
Cash advance APR
14%
variable
Annual fee
Features of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISA
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases14% variableEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable Annual Percentage Rate currently at 14.00%.”EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers—no source read
APR for cash advances14% variableEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable Annual Percentage Rate currently at 14.00%.”EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeFeatures of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISAEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Features of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISA”EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—no source read
Balance transfer$0, Features of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISAEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Features of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISA”EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction—no source read
Penalty fees
Late payment—no source read
Returned payment—no source read
APR qualificationsCash advance · Regular; Purchase · RegularVariable Annual Percentage Rate currently at 14.00%. EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable Annual Percentage Rate currently at 14.00%.”EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website