1st United Credit Union Starter Visa Platinum Credit Card Review

1st United Credit Union Starter Visa Platinum Credit Card is a credit card issued by 1st United Credit Union. 

1st United Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

This card has a minimum credit limit of $500 credit limit.

If you're wondering whether 1st United Credit Union Starter Visa Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of 1st United Credit Union Starter Visa Platinum Credit Card

The Good	The Bad
Lower than average purchase APRs. No annual fee. Credit history not required.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. You don't earn rewards on every purchase. Does not report to credit bureaus. Does not include many credit card rewards.

Is there a 1st United Credit Union Starter Visa Platinum Credit Card cash back or rewards program?

No, 1st United Credit Union Starter Visa Platinum Credit Card does not offer a rewards program.

1st United Credit Union Starter Visa Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the 1st United Credit Union Starter Visa Platinum Credit Card benefits?

1st United Credit Union Starter Visa Platinum Credit Card provides the following benefits:

• Zero fraud liability

What are the relevant APRs for 1st United Credit Union Starter Visa Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 1st United Credit Union Starter Visa Platinum Credit Card has lower than average purchase APRs.

1st United Credit Union Starter Visa Platinum Credit Card has a variable purchase APR that ranges from 10.65% up to 20.65%. The card has a variable balance transfer APR that ranges from 10.65% up to 20.65%. It also has a variable cash advance APR that ranges from 10.65% up to 20.65%. Note that late payments are subject to an APR of 16.65% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

1st United Credit Union Starter Visa Platinum Credit Card Balance Transfers

Description
Balance Transfer APR	10.65% - 20.65%
Introductory Rate	N/A
Intro APR period (months)	N/A

1st United Credit Union Starter Visa Platinum Credit Card Rates & Terms

Description
Balance Computation	average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Purchase APR	10.65% - 20.65%
Credit Limit	$500 credit limit
Penalty APR	16.65%
Cash Advance APR	10.65% - 20.65%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the 1st United Credit Union Starter Visa Platinum Credit Card fees?

The following fees apply to 1st United Credit Union Starter Visa Platinum Credit Card:

1st United Credit Union Starter Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	2%
Balance Transfer Fee	2%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	up to $25
Late Payment Fee	up to $10

How to apply for 1st United Credit Union Starter Visa Platinum Credit Card

• Visit the 1st United Credit Union Starter Visa Platinum Credit Card website.
• 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.