Everwise Credit UnionSIGNATURE REWARDSRegistry illustration · issuer artwork unavailable

SIGNATURE REWARDSEverwise Credit Union · state credit union, IN · NCUA 60060

CurrentLast observed Oct 15, 2026Source date Oct 15, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

14.75%–18.75%

variable

Balance transfer

0% for 6 mo

then 14.75%–18.75%

Cash advance APR

—

Annual fee

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 6 months	0%EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“APR = Annual Percentage Rate. Rates accurate as of 1/1/2026. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 10.75% to 20.75% based on your creditworthiness and the approved card. APR varies with the market.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
	14.75%–18.75% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“You also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 6 months	0%EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“APR = Annual Percentage Rate. Rates accurate as of 1/1/2026. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 10.75% to 20.75% based on your creditworthiness and the approved card. APR varies with the market.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
After	14.75%–18.75% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“You also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 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	$0EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“$0”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Opening conditions	Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular	You also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“You also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Purchase rewardsNot disclosed	1.5 points per $1. See source conditions for eligible purchases.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“Earn 1.5 points per dollar:”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: cash back, travel, merchandise, gift cards. Earn 1.5 points per dollar: EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“Earn 1.5 points per dollar:”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Rewards source conditionsPurchase rewards	If you love getting something back for your spending, the Everwise Visa® Signature Rewards card is for you. You’ll earn points on every purchase, which you can redeem for cash back, travel, merchandise, or gift cards. EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“If you love getting something back for your spending, the Everwise Visa® Signature Rewards card is for you. You’ll earn points on every purchase, which you can redeem for cash back, travel, merchandise, or gift cards.”EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website

Application and Solicitation Disclosure 11.1.2025page 1 of 2

APPLICATION AND SOLICITATION DISCLOSURE

VISA PLATINUM/SIGNATURE REWARDS/EVERWISE VISA ACCELERATE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · Visa Platinum Introductory APR for six months from account opening. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Signature Rewards Introductory APR for six months from account opening. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Everwise Visa Accelerate 0.00% 10.75% 20.75% 0.00% 14.75% 18.75% 19.99% APR for Balance Transfers · Visa Platinum Introductory APR for six months from account opening. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Signature Rewards Introductory APR for six months from account opening. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 0.00% 10.75% 20.75% 0.00% 14.75% 20.75% APR for Cash Advances · Visa Platinum to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Signature Rewards to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Everwise Visa Accelerate 13.25% 23.25% 14.75% 18.75% 19.99%

1 2No 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.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“APR = Annual Percentage Rate. Rates accurate as of 1/1/2026. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 10.75% to 20.75% based on your creditworthiness and the approved card. APR varies with the market.”
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“You also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.”
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“$0”
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“Earn 1.5 points per dollar:”
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“If you love getting something back for your spending, the Everwise Visa® Signature Rewards card is for you. You’ll earn points on every purchase, which you can redeem for cash back, travel, merchandise, or gift cards.”
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.”
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“APR = Annual Percentage Rate. Rates accurate as of 1/1/2026. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 10.75% to 20.75% based on your creditworthiness and the approved card. APR varies with the market.”
Additional source detail; structured values remain unknown. The shared regular APR range of 10.75%–20.75% spans Platinum and Signature cards and depends on the approved card. The product-specific Signature range is typed separately; the aggregate is not an additional product-specific rate.
Open source link ↗
EVERWISE
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:b207da1bdf9631ba9541fecc78856c95953e767e18f8281aaffdc1622d029618
“For the rewards enthusiast: The Visa® Signature Rewards Card”
Open source link ↗

History

dates on sources or when they were captured

Oct 15, 2026: Annual fee, Balance transfer APR, Purchase APR, Rewards

Offered through: Everwise Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60060
Branches: 49 in IN, MI
Sources: Official issuer · 1 document · 0 pages cited

Documents

Application and Solicitation Disclosure 11.1.2025effective date not parsedName declaration: SIGNATURE REWARDS · page 1

SIGNATURE REWARDSEverwise Credit Union · state credit union, IN · NCUA 60060

Rates and fees