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

Trugrocer FCU Visa Classic

100 cashback welcome bonus. No annual fee.

Welcome offer
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$205$205
Typical spender$470$470
Heavy spender$915$910
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 10, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 100% of the 49 cards on our No annual fee list (see the list).
  • Lower top APR than about 95% of the 119 cards on our Sign-up bonuses list (see the list).
  • Worth more to a typical spender than about 95% of the 647 cards we track.

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

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.

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)

How you earn

  • 3× pointsgrocery purchases
  • 2× pointsgas purchases
  • 1× pointsEverything else

Rates and fees

Annual fee
Purchase APRfixed
Intro APR12 months
Balance transfer APR
Cash advance APR
Late payment
Foreign transactions
Grace period

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

Benefits

  • The card can be used at over 14 million locations wherever the Visa logo is displayed.
  • The card can be used for purchases and cash advances at ATMs and financial institutions worldwide.
  • The card supports Apple Pay, Samsung Pay, and Google Pay.
  • Access to over 30,000 surcharge-free ATMs and 5,000+ shared branches.

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

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).