Last Updated: 04/18/2025
1st United CU Starter Visa Platinum Credit Card
Unaffiliated
in Credit Cards from 1st United Credit Union
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
10.90% - 20.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.90% - 20.90%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
1st United CU Starter Visa Platinum Credit Card Review
This is a card issued by 1st United Credit Union. If you're wondering whether 1st United CU Starter Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- APRs: 1st United CU Starter Visa Platinum Credit Card has a variable regular purchase APR that ranges from 10.90% up to 20.90%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. 1st United CU Starter Visa Platinum Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Accepts cosigners. 1st United Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
Pros & Cons of 1st United CU Starter Visa Platinum Credit Card
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1st United CU Starter Visa Platinum Credit Card FAQ
Does 1st United CU Starter Visa Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
What are the relevant APRs for 1st United CU Starter Visa Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.1st United CU Starter Visa Platinum Credit Card has a variable purchase APR that ranges from 10.90% up to 20.90%. The card has a variable balance transfer APR that ranges from 10.90% up to 20.90%. It also has a variable cash advance APR of 0% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does 1st United CU Starter Visa Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does 1st United CU Starter Visa Platinum Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for 1st United CU Starter Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does 1st United CU Starter Visa Platinum Credit Card have a foreign transaction fee?
1st United CU Starter Visa Platinum Credit Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for 1st United CU Starter Visa Platinum Credit Card?
The customer service number for 1st United CU Starter Visa Platinum Credit Card is (800) 649-0193.
What is the support contact email for 1st United CU Starter Visa Platinum Credit Card?
The support contact email for 1st United CU Starter Visa Platinum Credit Card is email@1stunitedcu.org.
What is the login page for 1st United CU Starter Visa Platinum Credit Card?
You can access the login page of 1st United CU Starter Visa Platinum Credit Card here.
How do people rate the customer service and user experience of 1st United CU Starter Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does 1st United Credit Union perform a hard credit pull?
Yes, 1st United CU Starter Visa Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for 1st United CU Starter Visa Platinum Credit Card
- Visit the website of 1st United CU Starter Visa Platinum Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Sunday
Closed
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9:00AM - 5:00PM
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