Last Updated: 05/14/2026
Member One FCU Visa Platinum With Rewards
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
Starting at 11.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 11.99%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Member One FCU Visa Platinum With Rewards Review
This is a rewards card issued by Member One Federal Credit Union. If you're wondering whether Member One FCU Visa Platinum With Rewards is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Member One FCU Visa Platinum With Rewards
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR starting at 11.99% . The card has a variable balance transfer APR starting at 11.99% .
It also has a variable cash advance APR starting at 11.99% .
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 5.9% for a period of 12 months from account opening.
This business card does offer an introductory APR rate on new purchases of 5.9% for a period of 12 months.
| Purchase APR | Starting at 11.99% |
| Balance Transfer APR | Starting at 11.99% |
| Cash Advance APR | Starting at 11.99% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $25 .
- A returned payment fee of up to $25.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
Does it offer a cash back or rewards program?
Yes, Member One FCU Visa Platinum With Rewards offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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