Artwork source · Partners Credit Union ↗

Visa® Platinum RewardsPartners Credit Union · federal credit union, CA · NCUA 18708

CurrentLast observed Oct 13, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer websiteFiled as “VISA PLATINUMREWARDS”

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No Annual, Balance Transfer, or Cash Advance Fees

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
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 Annual, Balance Transfer, or Cash Advance FeesPARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No Annual, Balance Transfer, or Cash Advance Fees”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Transaction fees
Cash advance	$0, No Annual, Balance Transfer, or Cash Advance FeesPARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No Annual, Balance Transfer, or Cash Advance Fees”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Balance transfer	$0, No Annual, Balance Transfer, or Cash Advance FeesPARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No Annual, Balance Transfer, or Cash Advance Fees”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
DiningNot disclosed	5 points per $1. See source conditions for eligible purchases.PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private …”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
TravelNot disclosed	4 points per $1. See source conditions for eligible purchases.PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private …”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Gas, groceries and streamingNot disclosed	3 points per $1. See source conditions for eligible purchases.PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private …”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Rewards conditionsDining	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private Banking tiers earn 4x rewards points on travel purchases. Elite and Private Banking tiers earn 5x rewards points on dining purchases. Purchases outside these categories earn the standard 1x rewards points. See PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private …”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Rewards source conditionsDining	Get rewarded for every purchase with the Partners Visa Platinum Rewards credit card. Earn up to 5x rewards points on qualifying purchases based on your PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Get rewarded for every purchase with the Partners Visa Platinum Rewards credit card. Earn up to 5x rewards points on qualifying purchases based on your”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Rewards conditionsTravel; Gas, groceries and streaming	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private Banking tiers earn 4x rewards points on travel purchases. Elite and Private Banking tiers earn 5x rewards points on dining purchases. Purchases outside these categories earn the standard 1x rewards points. See PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private …”PARTNERS · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website

Visa Credit Card Agreement - Partners Federal Credit Union 12.31.2023page 1 of 6

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

VISA SECURED/VISA SIGNATURE VISA PLATINUMVISA PLATINUMREWARDS

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 Partners 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 Visao 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 bv this Aareement and includes Your Card.

SECURITYINTEREST

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 Iawful 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. and the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will expire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective

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.

PARTNERS
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:959c320f26b006ec30ec1634ed877178d1226e6cae2b49d87b133edacab57742
“No Annual, Balance Transfer, or Cash Advance Fees”
Open source link ↗
PARTNERS
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:959c320f26b006ec30ec1634ed877178d1226e6cae2b49d87b133edacab57742
“Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private …”
Open source link ↗
PARTNERS
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:959c320f26b006ec30ec1634ed877178d1226e6cae2b49d87b133edacab57742
“Get rewarded for every purchase with the Partners Visa Platinum Rewards credit card. Earn up to 5x rewards points on qualifying purchases based on your”
Open source link ↗
PARTNERS
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:959c320f26b006ec30ec1634ed877178d1226e6cae2b49d87b133edacab57742
“Visa Rates and Conditions”
Open source link ↗
PARTNERS
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:959c320f26b006ec30ec1634ed877178d1226e6cae2b49d87b133edacab57742
“Visa® Platinum Rewards”
Open source link ↗

History

dates on sources or when they were captured

Oct 13, 2026: Annual fee, Balance transfer fee, Cash advance fee, Issuer link, Rewards

Offered through: Partners Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 18708
Branches: 15 in CA, FL
Sources: Official issuer · 1 document · 0 pages cited

Documents

Visa Credit Card Agreement - Partners Federal Credit Union 12.31.2023effective date not parsedName declaration: VISA PLATINUMREWARDS · page 1

Visa® Platinum RewardsPartners Credit Union · federal credit union, CA · NCUA 18708

Rates and fees