In this video I break down the Redwood Credit Union Visa Platinum Card as of February 1st, 2026, and why it’s one of the most straightforward “save money, stop the bleeding” cards out there. The big headline is the APR structure: purchase APR runs from 10.49% to 21% (variable), balance transfers share that same range, and cash advances come in at 13.49% to 21%. The key detail is the ceiling—this card caps out at 21%, which is a much lower roof than the ~30% you’ll see with a lot of national bank cards. Where this card really earns its spot is fees. I go through how it charges $0 balance transfer fees and $0 cash advance fees, plus no annual fee and no over-the-limit fees—so you’re not getting nickel-and-dimed while trying to pay debt down. I also highlight the “safety buffer” stuff: no penalty APR (so one late payment doesn’t permanently spike your rate), a $15 late fee cap, and a $22 returned payment fee, plus a 25-day grace period on purchases. I also cover the tradeoffs: there’s a 1% foreign transaction fee, the rate is tied to prime so it can move with the economy, and the lowest 10.49% is realistically for excellent credit. If you want flashy bonuses or points, this isn’t that card—but if you’re consolidating or carrying a balance and want fewer traps, it’s a strong option.