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Trugrocer Federal Credit Union credit card

Trugrocer FCU Visa Classic

  • Bonus down · 10,000100 · Oct 10, 2026

No annual fee. 100 cashback welcome bonus. Purchase APR 16.9%.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR
Foreign transactions

Select an underlined figure to see where it comes from.

Trugrocer Federal Credit Union’s terms

Welcome offer

$100 cash

Spend $500 on purchases with the new Visa credit card within the first 90 days of account opening.

The $100 bonus is awarded as 10,000 reward points. Each point is worth $0.01. Balance transfers do not qualify. Bonus points are credited in the billing cycle immediately following the billing cycle in which the $500 spending requirement is reached.

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$205$205
Typical spender$470$470
Heavy spender$915$910
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

$205a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$470a 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.

$910a year

$915 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

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 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
  • Lower top APR than about 100% of the 163 cards on our Sign-up bonuses list (see the list).

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

Rewards

How you earn

3×
grocery purchases
2×
gas purchases
1×
Everything else

Points per dollar.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRfixed
Intro APR12 months
Balance transfer APR
Cash advance APR
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
What is the purchase APR?
16.90% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
1.99% for 12 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
100 cashback after $500 in purchases. · trugrocer.com, since Oct 10, 2026
Read the card agreement

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