Joplin Metro Credit UnionChecked Oct 4, 2026

JOPLIN METRO CREDIT UNION SECURED VISA

No annual fee. Purchase APR 15.9%.

Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
Lower top APR than about 90% of the 577 cards we track.

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

Rates and fees for the JOPLIN METRO CREDIT UNION SECURED VISA, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem fixed
Cash advance APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Grace period	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within 3 business days after issuer approval. Any cash advance fees and interest charges associated with the credit card account apply.

What is the annual fee?: None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?: 15.90% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026

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