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One Nevada Credit Union credit cardChecked Oct 10, 2026Updated Our illustration, not the card’s design

One Nevada CU Signature Visa

No annual fee. Purchase APR 11.75–20.75%, variable.

Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

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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.
SpendingFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
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

Assumed: not counted: Nonex every purchase; points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 85% of the 623 cards we track.
  • Lower top APR than about 65% of the 579 cards we track.

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

Before you apply

  • 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).
  • 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)

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Carrying a balance? See how long it takes to pay off

Benefits

  • Travel-related services
  • Travel and emergency assistance
  • Rental car
  • Travel accident
  • Emergency assistance
  • Cell phone
  • Purchase protection

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: 2%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
11.75–20.75% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026

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).