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Everwise Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory, 6 months | 0%EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| 14.75%–18.75% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website | |
| APR for balance transfersintroductory rate first | ||
| Introductory, 6 months | 0%EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| After | 14.75%–18.75% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | $0EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Opening conditions | Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular | You also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Purchase rewardsNot disclosed | 1.5 points per $1. See source conditions for eligible purchases.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: cash back, travel, merchandise, gift cards. Earn 1.5 points per dollar: EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Rewards source conditionsPurchase rewards | If you love getting something back for your spending, the Everwise Visa® Signature Rewards card is for you. You’ll earn points on every purchase, which you can redeem for cash back, travel, merchandise, or gift cards. EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |