SMW Financial Credit UnionSMW Cash Back Visa CardRegistry illustration · issuer artwork unavailable
SMW Cash Back Visa CardSMW Financial Credit Union · state credit union, MN · NCUA 68676
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
Balance transfer
—
Cash advance APR
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 12.99%–18%SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Annual percentage rate (APR) for purchases: 12.99% to 18.00% when you open your account (based on your creditworthiness)”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | no source read | |
| APR for cash advances | 18%SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Annual percentage rate for cash advances: 18.00%”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual feeSMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 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 | |
| APR qualificationsCash advance · Regular | Annual percentage rate for cash advances: 18.00%SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Annual percentage rate for cash advances: 18.00%”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Regular | Annual percentage rate (APR) for purchases: 12.99% to 18.00% when you open your account (based on your creditworthiness)SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Annual percentage rate (APR) for purchases: 12.99% to 18.00% when you open your account (based on your creditworthiness)”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed. 1% cash back on purchases (net), shown on monthly statement, credited quarterly. SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1% cash back on purchases (net), shown on monthly statement, credited quarterly.”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed. 1% Cash Back on purchasesSMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1% Cash Back on purchases”SMW FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |