Elevations Credit UnionChecked Oct 4, 2026

Visa Rewards, Visa, Buff One Visa

25,000 points after you spend $1,000 in 3 months. No annual fee.

Welcome offer: Issuer's pageelevationscu.com
“25,000 bonus points”
Checked Oct 4, 2026Open on elevationscu.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 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

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	$370	$120
Typical spender	$550	$300
Heavy spender	$910	$660

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

How it compares

No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
Lower top APR than about 90% of the 50 cards on our 0% intro APR list (see the list).
Worth more to a typical spender than about 70% of the 650 cards we track.

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

Welcome offer

25,000 points

After you spend $1,000 on purchases in your first 3 months.

The bonus points can be redeemed for cash, gift cards, travel, and merchandise. The offer is subject to the bonus eligibility rules stated in the document.

Spending it takes$333 a monthfor 3 months

Tracking sinceOct 4, 2026history will chart every change

How you earn · Elevations Rewards

1× pointsEverything else

Rates and fees

Rates and fees for the Visa Rewards, Visa, Buff One 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 variable
Intro 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 12 months
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 4, 2026The CFPB survey Report a problem
Balance transfer 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
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
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 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

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

Benefits

Cell phone

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?: 11.74–21.00% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?: 0% for 12 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?: 25,000 points after $1,000 in purchases in 3 months. elevationscu.com, since Oct 2, 2026

Other points cards with no annual fee

GM Business MastercardBarclays · No annual fee+$600 a year
GM Rewards MastercardBarclays · No annual fee+$600 a year
CareCredit MastercardSynchrony · No annual fee+$410 a year

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