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Empower Blue Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases10% variableEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers—
APR for cash advances10% variableEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeFeatures of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISAEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer$0, Features of a Credit Union credit card include no annual fee, 28-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. No balance transfer fees, either.  Every purchase earns points in our reward program.  Points can be redeemed for merchandise, travel/entertainment, or gift cards.  We offer three different types of VISAEMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
APR qualificationsCash advance · Regular; Purchase · RegularVariable Annual Percentage Rate, currently at 10.00%.EMPOWER BLUE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website