Usf Federal Credit Union credit cardChecked Oct 10, 2026Updated Oct 9, 2026Our illustration, not the card’s design

Usf FCU Visa Traditional

$125 cash back welcome bonus. No annual fee.

Welcome offer: Issuer's pageusfcu.com
“$125 cash back when you spend $1,500 in the first 90 days 2”
Checked Oct 10, 2026Open on usfcu.com Report a problem
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 10, 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 10, 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 10, 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

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
Spending	First year	After
Light spender	$125	$0
Typical spender	$125	$0
Heavy spender	$125	$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

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

How it compares

Lower top APR than about 90% of the 119 cards on our Sign-up bonuses list (see the list).
No annual fee, like about 85% of the 623 cards we track.

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

Welcome offer

$125 cash

Spend $1,500 in the first 90 days after opening the account.

The 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 required spend. The $125 will be processed to the member's USF CU savings account at the end of the month following the qualified spend.

Smaller than about 80% of the 36 other cash bonuses we track.

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

Rates and fees for the Visa Traditional, 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 10, 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 10, 2026The CFPB survey Report a problem variable
Balance transfer 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 10, 2026The CFPB survey Report a problem
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 10, 2026The CFPB survey Report a problem
Cash advance 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 10, 2026The CFPB survey Report a problem
Late payment	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 10, 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 10, 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 10, 2026The CFPB survey Report a problem

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

Benefits

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

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 5, 2026

Other cards without rewards with no annual fee

AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
AEO, Inc.Synchrony · No annual feeabout the same

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