Skip to main content Skip to footer site map
Login Form
Site Search Form
Exit Search

Credit Card Terms and Conditions

Visa Credit Card Application and Solicitation Disclosure

CREDIT CARD TERMS & CONDITIONS

View the rates, fees and legal terms and conditions for all of the NASA Federal VISA credit cards
Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases

Visa Platinum Advantage Rewards
14.65% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Cash Rewards
17.99% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic
12.4% to 17.99%, based on your creditworthiness. 

Visa Classic Secured
12.4% to 17.99%, based on your creditworthiness.  

APR For Balance Transfers

Visa Platinum Advantage Rewards
9.9% to 17.99% 
Introductory APR until balance subject to Introductory APR is paid off, based on your creditworthiness.

After that, your APR will be 14.65% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Cash Rewards
9.9% to 17.99% Introductory APR until balance subject to Introductory APR is paid off, based on your creditworthiness.

After that, your APR will be 17.99% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic
9.9% to 17.99% 
Introductory APR until balance subject to Introductory APR is paid off, based on your creditworthiness.

After that, your APR will be 12.4% to 17.99%, based on your creditworthiness. 

Visa Classic Secured
9.9% to 17.99% 
Introductory APR until balance subject to Introductory APR is paid off, based on your creditworthiness.

After that, your APR will be 12.4% to 17.99%, based on your creditworthiness. 

APR For Cash Advances

Visa Platinum Advantage Rewards
16.65% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Cash Rewards
17.99% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.


Visa Classic
14.4% to 17.99%, based on your creditworthiness. 

Visa Classic Secured
14.4% to 17.99%, based on your creditworthiness. 

 
How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees

Annual Fee
- Annual Fee

 
None

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases


None

$5.00 or 3.00% of the amount of each cash advance, whichever is greater
None
None

Penalty Fees
- Late Payment Fee
- Over-the-Credit-Limit Fee
- Returned Payment Fee


Up to $35.00
None
None


How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on NASA Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Effective Date:
The information about the costs of the card described in this application is accurate as of: January 1, 2024
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum Advantage Rewards, Visa Platinum Cash Rewards, Visa Classic and Visa Classic Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:
Late Payment Fee:
$35.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

Card Replacement Fee:
$5.00.

Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through Online Banking or Mobile Banking, or visit your nearest branch.

You are now leaving nasafcu.com and entering a third party website that is not part of NASA Federal Credit Union.

The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.