Visa
10,000 ScoreCard points after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagericreditunion.org
“Receive 10,000 points after spending $1,000 in the first 90 days”
- 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.
- 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.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $100 | $0 |
| Typical spender | $100 | $0 |
| Heavy spender | $100 | $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: 1x all purchases; points valued at an assumed 1¢.
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 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
10,000 points
After you spend $1,000 on purchases in your first 3 months.
Receive 10,000 points after spending $1,000 in the first 90 days
How you earn · ScoreCard
- 1× pointsall purchases
Rates and fees
| 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. |
|---|---|
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
Carrying a balance? See how long it takes to pay off
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
- Is there an intro APR?
- 2.99% for 6 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 10,000 ScoreCard points after $1,000 in purchases in 3 months. ricreditunion.org, since Oct 2, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$900 a year
- GM Rewards MastercardBarclays · No annual fee+$900 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).