RateHerald

Our illustration, not the card’s design

Tinker Federal Credit Union credit card

Tinker FCU Visa Platinum

No annual fee. Purchase APR 3.99–18%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$170$170
Typical spender$395$395
Heavy spender$805$805
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$170a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$395a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$805a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

CU Rewards

How you earn

2×
foodfuel
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • CU Rewards points may be redeemed for airline tickets, hotels, car rentals, high-end electronics, quality housewares and more.
  • Emergency ticket replacement.
  • Lost luggage locator service.
  • Emergency translator service.
  • Pre-trip assistance.
All 11 benefits
  • 3-D Secure protection for online transactions.
  • Visa Purchase Alerts.
  • Digital wallets.
  • Visa Checkout.
  • Travel accident: $500,000
  • Purchase protection

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR6 months
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
3.99% for 6 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Read the card agreement

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