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Home » Personal Banking » Credit Card » Comparison Chart

Credit Card Comparison Chart

Features Visa Platinum
MyRewards
Educator
Student
Credit Builder
Signature Rewards
Maximum Credit Line $35,000 $5,000 $35,000 $1,500 $5,000 $50,000
Premium Benefits           Learn More
Rewards Program   Learn More       Learn More
Skip Payments*    

Jul, Aug & Sep

     
Annual Fee $0 $0 $0 $0 $0 $0
Cash Advance Fee $0 $0 $0 $0 $0 $0
Grace period on purchases 25 days 25 days 25 days 25 days 25 days 25 days
FREE Personalized Card Design**
Instant-Issue Cards          
Visa shopping discounts
Visa Zero Liability
Verified by Visa
Visa travel protection and benefits
Account Access & Online Support
Online Payments
Android Pay
Apple Pay
Samsung Pay
View Account Activity Online
FREE 24/7 Emergency Call Center
FREE Visa Concierge Service          
FREE Online Banking
FREE eStatements
Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 8.49% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

9.99% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

3.99% Introductory APR±,

for qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR,your APR will be

8.49% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

9.90%¹ 15.50% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

9.99% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances 8.49% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

9.99% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

8.49% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

9.90%¹ 15.50% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

9.99% to 18.00%

based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

Penalty APR and When it Applies None None None None None None
  Visa Platinum


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MyRewards


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Educator


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Student


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Credit Builder


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Signature Rewards

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  Disclosures & Fees
Agreement
Disclosures & Fees
Agreement
Disclosures & Fees
Agreement
Disclosures & Fees
Agreement
Disclosures & Fees
Agreement
Disclosures & Fees
Agreement

* Educator Visa® Summer Skip. You may be provided the opportunity, in the months of July, August, and September, to take advantage of Apple Federal Credit Union's Educator VISA Summer Skip program ("Summer Skip"). During the Summer Skip you will be allowed to skip the required minimum payment of any of the given months provided in the program as long as you meet the requirements of the Summer Skip for that month. If you take advantage of the Summer Skip, you acknowledge that you understand and agree: 1) if you skip a payment FINANCE CHARGES will continue to accrue on your account ; 2) skipping even a single payment will result in you paying more toward FINANCE CHARGES on your account over the life of your account; 3) by skipping a payment, it will take longer for you to repay what you owe us; 4) you must resume making the required minimum payment in October or the month immediately following any month in which you fail to meet the terms of the Summer Skip, whichever occurs first; 5) you may make payments at any time during the Summer Skip; and 6) if the account is jointly held, any borrower may participate in the Summer Skip without the consent of the other borrowers. Participation in the Summer Skip is subject to Apple Federal Credit Union approval. Your account must be current and in good standing to participate. We reserve the right to discontinue or alter the terms of the Summer Skip at any time after providing any required notification, as permitted by law.

**First personalized card is provided at no cost. All subsequent cards, including replacements for those that are lost or stolen, require a $9.99 per card fee.

† Available only for specific account types; some exclusions apply. See branch for details. Not available at the GMU or Merrifield branch.

‡ APR = Annual Percentage Rate as of 02/01/2016 and are subject to change without notice. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. VISA Credit Card rates apply to cash advances, balance transfers, and outstanding balances on purchases.
± Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $1,000 Direct Deposit.

1 Student Visa Eligibility: Applicants must be age 18 – 25 to qualify.

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
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