Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 12 months	0%VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…”VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
	9.49%–27.49% variableVANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…”VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 12 months	0%VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…”VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
After	9.49%–27.49% variableVANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…”VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 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 annual feeVANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“no annual fee”VANTAGE WEST · 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
Other fees	$0, No Application Fee or Annual FeeVANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Application Fee or Annual Fee”VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular	Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…”VANTAGE WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Consumer Credit Card Agreement and Disclosurepage 1 of 5

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

SIGNATURE REWARDS VISA/PLATINUM VISA

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 Vantage West 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, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card.

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.

REPAYMENT Each month You must pay at least the minimum payment shown on Your statement by the date specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If You make extra or larger payments, You are still required to make at least the minimum payment each month Your account has a balance (other than a credit balance). For our Signature Rewards Visa card, the minimum payment is 3.00% of Your total new balance, or $30.00, whichever is greater, plus the amount of any prior minimum payments that You have not made, all outstanding unpaid fees and charges, and any amount You are over Your credit limit by the date specified on the statement. For our Platinum Visa card, the minimum payment is 2.55% of Your total new balance, or $30.00, whichever is greater, plus the amount of any prior minimum payments that You have not made, all outstanding unpaid fees and charges, and any amount You are over Your credit limit by the date specified on the statement. The Credit Union also has the right to demand immediate payment of any amount by which You are over Your credit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in Your available credit limit on the date they are received. The Credit Union may delay replenishing Your credit limit until the date the payment is posted or the Credit Union confirms the payment has cleared.

CHOICE OF LAW This Agreement has been made by Us, delivered to Us, and accepted by Us and will be performed by You and Us in the State of Arizona. Accordingly, to the extent not preempted by federal law, the validity, interpretation, construction, enforcement, and performance of this Agreement shall be governed by the laws of the State of Arizona.

VENUE AND JURISDICTION You irrevocably agree with Us that any suit, action, or other legal proceedings arising under or relating to any provision of this Agreement will be brought and enforced exclusively in either: (1) the competent courts of Arizona or (2) subject to Our sole and absolute election, the competent courts of any other state (such as any other state in which any collateral for the loan is located or in which You reside) that affect the enforcement of Our remedies under this Agreement. You hereby submit to the exclusive jurisdiction of such court(s) and waive any right You may have to request a change of venue or a removal to another court or to collaterally attack any judgment obtained or action taken by Us in connection therewith. You further consent and agree to service of any summons, compliant or other legal process in any such suit, action, or other legal proceeding by registered or certified U.S. mail, postage prepaid, to You at the appropriate address You have provided to Us and consent and agree that such service shall constitute in every respect valid and effective service (but nothing herein shall affect the validity or effectiveness of process served in any other manner permitted by applicable law).

JURY TRIAL WAIVER To the extent permitted by applicable law, You and We each knowingly, voluntarily, intentionally, and irrevocably waive any right to a trial by jury in any action, suit or other legal proceeding arising under or relating to any provision of this Agreement.

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.

VANTAGE WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda
“Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…”
Open source link ↗
VANTAGE WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda
“no annual fee”
Open source link ↗
VANTAGE WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda
“No Application Fee or Annual Fee”
Open source link ↗
VANTAGE WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda
“Vantage West Platinum Visa”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Application fee, Balance transfer APR, Purchase APR

Offered through: Vantage West Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68558
Branches: 20 in AZ
Sources: Official issuer · 3 documents · 0 pages cited

Documents

Consumer Credit Card Agreement and Disclosureeffective date not parsedName declaration: PLATINUM VISA · page 1
Visa Application and Solicitation Disclosureeffective date not parsedName declaration: PLATINUM VISA · page 1
Visa Solicitation_01.01.2026effective date not parsedName declaration: PLATINUM VISA · page 1

PLATINUM VISAVantage West Credit Union · state credit union, AZ · NCUA 68558

Rates and fees