RateHerald

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Usf Federal Credit Union credit card

Usf FCU Visa Traditional

No annual fee. $125 cash back welcome bonus. Purchase APR 11.99–17.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Usf Federal Credit Union’s terms

Welcome offer

$125 cash

Spend $1,500

Spend must occur in the first 90 days after opening the account. $125 will be processed to the member’s USF CU savings account at the end of the month following the qualified spend. Offer is not valid for members with an existing USF CU Green and Gold credit card. ATM withdrawals, refunds, balance transfers and cash advance transactions do not count toward the spending requirement.

  • Smaller than about 75% of the 48 other cash bonuses we track.

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$125$0
Typical spender$125$0
Heavy spender$125$0
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

$0a year

$125 the first year, with the welcome bonus.

The spending this assumes

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

$0a year

$125 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$0a year

$125 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

  • Lower top APR than about 90% of the 163 cards on our Sign-up bonuses list (see the list).
  • No annual fee, like about 85% of the 711 cards we track.

Other cards without rewards 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

Benefits

  • Digital Wallet Capability
  • Transaction Alerts
  • Contactless Payments
  • Chip Card Security
  • Fraud Liability Protection
All 6 benefits
  • Visa Benefits included

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
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
What is the purchase APR?
11.99–17.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
$125 cash back after $1,500 in purchases. · usfcu.com, since Oct 12, 2026
Read the card agreement

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