Inova Credit UnionPLATINUM VISARegistry illustration · issuer artwork unavailable

PLATINUM VISAInova Credit Union · federal credit union, IN · NCUA 4968

CurrentLast observed Oct 13, 2026Source date Oct 13, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

Open the document Download JSONAdd to compare

Purchase APR

16.99%–17.99%

Balance transfer

8.99% for 7 billing cycles

then 16.99%–17.99%

Cash advance APR

—

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 7 billing cycles	8.99%INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Enjoy an 8.99% APR”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
	16.99%–17.99%INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees…”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 7 billing cycles	8.99%INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Enjoy an 8.99% APR”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
After	16.99%–17.99%INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees…”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 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	—	no source read
Transaction fees
Cash advance	the greater of $5 or 4% of the amount, In addition to convenient loan access, you can make purchases and cash advances 24 hours a day, every day. Cash advances are available at the credit union office, other financial institutions, and worldwide through the VISA ATM Network. There is a 4% fee for each cash advance or a minimum of $5.INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“In addition to convenient loan access, you can make purchases and cash advances 24 hours a day, every day. Cash advances are available at the credit union office, other financial institutions, and worldwide through the VISA ATM Network. There is a 4% fee for each cash advance or a minimum of $5.”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Opening conditions	Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply. Signed application and proof of income required. Full terms and conditions of the account available upon approval. Platinum Visa Rewards annual fee of $50.00 will be waived with an active open INOVA Federal Shield Checking Account with no negative share accounts on the anniversary date of the annual fee. If the Shield Checking Account is closed after the anniversary date the Annual Fee will be assessed.INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees…”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular	Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply. Signed application and proof of income required. Full terms and conditions of the account available upon approval. Platinum Visa Rewards annual fee of $50.00 will be waived with an active open INOVA Federal Shield Checking Account with no negative share accounts on the anniversary date of the annual fee. If the Shield Checking Account is closed after the anniversary date the Annual Fee will be assessed.INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees…”INOVA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website

Consumer Credit Card Agreement and Disclosurepage 1 of 6

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

PLATINUM VISA/PLATINUM VISA REWARDS/SHARE SECURED VISA/GLOBAL GOOD/TOLSON CENTER GIVING

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 INOVA Federal 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, including convenience checks, 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.

CONVENIENCE CHECKS We may, from time to time, issue convenience checks to You that may be drawn on Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable,

1 2 3 4 5 6No 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.

INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“Enjoy an 8.99% APR”
Open source link ↗
INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees…”
Open source link ↗
INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“In addition to convenient loan access, you can make purchases and cash advances 24 hours a day, every day. Cash advances are available at the credit union office, other financial institutions, and worldwide through the VISA ATM Network. There is a 4% fee for each cash advance or a minimum of $5.”
Open source link ↗
INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“Application and Solicitation Disclosures”
Open source link ↗
INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“Consumer Credit Card Agreement”
Open source link ↗
INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees…”
Additional source detail; structured values remain unknown. Foreign transaction fees differ by currency: 0.80% single currency and 1.0% multiple currency. No single fee rate is assigned.
Open source link ↗
INOVA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:21a2a6fe2b92dcb8edbda8df504668d1339841b116afeba2450c2acffb0d567a
“Platinum Visa”
Open source link ↗

History

dates on sources or when they were captured

Oct 13, 2026: Balance transfer APR, Cash advance fee, Issuer link, Purchase APR

Offered through: Inova Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 4968
Branches: 6 in IN
Sources: Official issuer · 1 document · 0 pages cited

Documents

Consumer Credit Card Agreement and Disclosureeffective date not parsedName declaration: PLATINUM VISA · page 1

PLATINUM VISAInova Credit Union · federal credit union, IN · NCUA 4968

Rates and fees