Trustone Financial Credit UnionVisa Platinum Rewards CardRegistry illustration · issuer artwork unavailable

Visa Platinum Rewards CardTrustone Financial Credit Union · state credit union, MN · NCUA 68722

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No annual fees, no foreign transaction fees, and no balance transfer 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 fees, no foreign transaction fees, and no balance transfer fees.TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual, balance transfer or foreign transaction fees”TRUSTONE 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
Cash back	1% cash back. Payment timing is not disclosed. Earn one point or 1% cash back for every $1 you spend.TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn one point or 1% cash back for every $1 you spend.”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Purchase rewardsNot disclosed	1 point per $1. See source conditions for eligible purchases.TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“1 point or 1% cash back per $1 spent”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Purchase rewardsNot disclosed	1 point per $1. See source conditions for eligible purchases.TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn one point or 1% cash back for every $1 you spend.”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Points expire 5 years from the end of the calendar year in which they are earned. Redemption options: cash back. 1 point or 1% cash back per $1 spentTRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“1 point or 1% cash back per $1 spent”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards source conditionsPurchase rewards	Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the end of the calendar year in which they are earned. See TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the end of the calendar year in which they are earned. See”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn one point or 1% cash back for every $1 you spend.TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn one point or 1% cash back for every $1 you spend.”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards source conditionsPurchase rewards	Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the day they are earned. See TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the day they are earned. See”TRUSTONE FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

TRU STONE FINANCIAL VISA AGREEMENT AND TRUTH-IN-LENDING DISCLOSUREpage 1 of 5

TRU STONE FINANCIAL VISA AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE

Visa Platinum & Platinum Rewards Credit Cards

TruStone Financial Credit Union

Please Retain For Your Personal Records .

This is your Platinum/Platinum Rewards Card Agreement and Truth-In-Lending disclosure. Please read and file with your records. This Agreement and disclosure, required by law, is designed to define the guidelines concerning your Account(s).

n this Agreement, 'Agreement' means this Consumer Platinum/Platinum Rewards Card Agreement. 'Disclosure' means the Platinum/Platinum Rewards Card Account Opening disclosure. The Account Opening Disclosure is included with this Consumer Platinum/Platinum Rewards Card Agreement and is part of the agreement. In this Agreement the words 'you' and 'your' mean each and all of those who apply for the Platinum/Platinum Rewards Card. 'We,' 'us', and 'ours' mean TruStone Financial, a credit union with its main office in Plymouth, Minnesota. 'Platinum/Platinum Rewards Card' and 'Card' mean the Platinum/Platinum Rewards Card and any duplicates and renewals we issue. 'Account' means your Platinum/Platinum Rewards Card Line of Credit Account with the credit union; and 'Credit Union' means the Credit Union whose name appears on this Agreement. Line of Credit may also be called 'Credit Limit' in this agreement and in your monthly Statement.

By Keeping The Credit Card, Signing It, Using It, Or Permitting Another To Use It, You Agree To All The Terms And Conditions Of This Agreement.

1. Effect of Agreement

This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advance, or credit card slips you sign or receive may contain different terms.

2. Responsibility

If we issue a Card to you, you agree to repay all debts and the Finance Charge from the use of your Card and Account. You cannot transfer or assign your Account to another person. You agree that you will not authorize to permit any other person to use your Card. If another does use your Card or Card number with your permission, you are responsible for charges made by that person or anyone else to whom you give the Card or Card number to, and this responsibility continues until the Card is recovered or closed. You cannot avoid responsibility by notifying us, but we will close the card immediately to prevent further transactions. If this is a joint Account, each Account holder is both individually and jointly obligated for all payments due under this Agreement. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other court judgment may direct you or another person to pay the Account. Any person using the Card is jointly responsible with you for charges he or she makes, but if the person signs the Card, he or she becomes a party to this Agreement and is jointly responsible for all charges on the Account, including yours. You agree to notify us within ten (10) days of any change in your name, residence, or mailing address.

3. Using the Card

You understand that the use of your Credit Card will constitute acknowledgement of receipt and agreement to the terms of this Credit Card Agreement. You can purchase or lease goods and services from any merchant who accepts Visa credit cards, and you may obtain cash advances from financial institutions and ATM machines that accept the Card, up to your maximum credit limit and limited to 15 transactions per day. Cash advances obtained at ATM Machines will have a daily limit of $500. Online advances may Effective August, 1 st 2023 M-901936

be completed through Online Banking. Phone advances may be completed by calling Telexpress. You agree not to present your Card or obtain a cash advance for any extension of credit in excess of your available credit limit; however, if you do exceed your credit limit, you agree to make immediate payment sufficient to bring the balance below the credit limit. Card purchases will be listed on your monthly statement with the merchant, electronic terminal, or financial institution at which transactions were made based on the transaction information provided by the merchant or processor. You should keep the copy of the slips furnished at the time of the transaction in order to verify the monthly statement.

You should not reveal your PIN to anyone else. Do not write the PIN on the card or keep your PIN in your purse/wallet or anywhere else where someone might find it and associate it with your card. You should not use an ATM machine unless it appears safe to do so. Do not key in your PIN if someone is looking. Be sure you take your card and receipt when you are done. Put your money away quickly and leave the site.

4. Finance Charge

You agree to pay interest at the rate(s) disclosed to you at the time you open your account and as may be changed from time to time in accordance with applicable law. Your Account will be subject to a Finance Charge during any billing period during which you (a) received, or had outstanding, a cash advance or balance transfer; or (b) failed to pay in full the previous balance shown on the statement during the first 25 days of the statement period.

The Finance Charges on purchases are calculated, for a billing cycle, by applying the daily periodic rate to the average daily balance multiplied by the number of days in the billing cycle. The average daily balance is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Daily balances are calculated by adding to the beginning balance of the purchases balance each day, any new credit purchases posted to your account and subtracting any payments ass received and credits as posted to your account but excluding any unpaid interest charges or fees.

You can avoid incurring a Finance Charge on purchases by paying the New Balance in full by the due date on your statement. However, you cannot avoid Finance Charges on cash advances and balance transfers, even if you pay the entire cash advance or balance transfer balance by the payment due date. You will incur the interest Charges accrued from the date the cash advance or balance transfer is posted to your account until those balances are paid.

The Finance Charges on cash advances and balance transfers are calculated by applying the daily periodic rate to the daily balance. Daily balances are calculated by adding to the beginning balance of the purchases balance each day, any new credit purchases posted to your account and subtracting any payments ass received and credits as posted to your account but excluding any unpaid interest charges or fees. Your Monthly Statement will reflect the sum of the daily Finance Charges for that billing cycle.

5. Monthly Statements & Payments

If you have a balance, or activity including purchases, payments or adjustments, were present during the last statement period, we will mail to you, on a date selected by us, a periodic monthly statement listing all amounts you owe us on this Account, except when you have agreed to electronic statement delivery You will be charged for each duplicate billing statement you request (see current fee schedule at TruStoneFinancial.org). These fees will not be charged if the request is related to a billing error under the Fair Credit Billing Act.

1 2 3 4 5No 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.

TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6587e9e3c7648e75e0fd9de9613859286a28d81cd15cc250a39ac0adb8374d81
“No annual, balance transfer or foreign transaction fees”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“No annual fees, no foreign transaction fees, and no balance transfer fees.”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6587e9e3c7648e75e0fd9de9613859286a28d81cd15cc250a39ac0adb8374d81
“1 point or 1% cash back per $1 spent”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6587e9e3c7648e75e0fd9de9613859286a28d81cd15cc250a39ac0adb8374d81
“Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the end of the calendar year in which they are earned. See”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“Earn one point or 1% cash back for every $1 you spend.”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the day they are earned. See”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“See Credit Card Terms and Conditions.”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6587e9e3c7648e75e0fd9de9613859286a28d81cd15cc250a39ac0adb8374d81
“See Credit Card Terms and Conditions.”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“Rewards Rules”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“Rewards Terms and Conditions”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6587e9e3c7648e75e0fd9de9613859286a28d81cd15cc250a39ac0adb8374d81
“Rewards Terms and Conditions”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“APR = Annual Percentage Rate. Rates range from 12.90% – 16.90% and are based on creditworthiness. APR will vary with the market based on the Prime Rate. Rates effective December 15, 2025. All loans are subject to credit approval.”
Additional source detail; structured values remain unknown. APR passage retained; the supplied inputs do not provide the original capture date required to qualify a typed APR.
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c86824d7c40d373cee61be9d26d99a4bfe36774928aec323555e9fbd8fe4cdcd
“VISA® PLATINUM REWARDS CREDIT CARD”
Open source link ↗
TRUSTONE FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6587e9e3c7648e75e0fd9de9613859286a28d81cd15cc250a39ac0adb8374d81
“Visa® Platinum Rewards Card”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Cash back, Issuer link, Rewards

Offered through: Trustone Financial Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68722
Branches: 25 in MN, WI
Sources: Official issuer · 2 documents · 0 pages cited

Documents

TRU STONE FINANCIAL VISA AGREEMENT AND TRUTH-IN-LENDING DISCLOSUREeffective date not parsedName declaration: Visa Platinum Rewards Card · page 2
Visa Platinum Rewards Terms and Conditionseffective date not parsedName declaration: Visa® Platinum Rewards · page 1

Visa Platinum Rewards CardTrustone Financial Credit Union · state credit union, MN · NCUA 68722

Rates and fees