Credit Card Comparison



Compare Our Credit Cards to Area Banks and Save!

FedChoice Federal Credit Union Visa® Credit Card Comparison

See How We Stack Up!

Financial Institution

Credit Card

Finance Charge APR Low

Finance Charge APR High

Annual Fee

Balance Transfer Fee

Cash Advance APR

Cash Advance Fee


Visa®  Platinum Rewards*


12.25%   Variable Rate


No Fee

6.75%-12.25%    Variable Rate



Visa® Gold


18.00%     Fixed Rate


No Fee

10.00%-18.00%         Fixed Rate


Bank of America

Travel Rewards®


23.99%   Variable Rate


16.99%-28.99%   Variable Rate

Capital One

Venture® Rewards


24.49%  Variable Rate


24.49%                Variable Rate

Wells Fargo



25.49%  Variable Rate


23.99%-25.99%   Variable Rate

SunTrust (Truist)

Prime Rewards


21.24%           Variable Rate



24.99%                Variable Rate


PNC points®


21.99%  Variable Rate


22.99%                Variable Rate

Current as of 05/25/2021

FedChoice Balance Transfers are treated the same as Cash Advances and will begin to accrue interest once the transaction takes place.

All information is subject to change without notice. Current as of 05/25/2021. Reasonable efforts are made to maintain accurate information, but we do not guarantee the accuracy of the data. Refer to each financial institution for current information and details about terms, restrictions and conditions for eligibility and participation based on your creditworthiness. Please see the Visa® Credit Card and Truth-in-Lending Agreement for further details. *Visa® Platinum Rewards variable rate at FedChoice is based on The Wall Street Journal Prime plus 3.50% to 9.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
~Direct Deposits treated the same as Cash Advances. °Bank Cash Advances include ATM, Over-the-Counter, Same-Day Online, Overdraft Protection and Cash Equivalent (money orders, foreign currency, travelers checks, or to obtain cash, each from a non-financial institution, or person-to-person money transfers, bets, lottery tickets purchased outside the U.S., casino gaming chips and bail bonds).+ No balance transfer fees within 60 days of account opening.