1st United Credit Union Starter Visa Platinum Credit Card
in Personal Credit Cards from 1st United Credit Union
Unaffiliated1st United Credit Union Starter Visa Platinum Credit Card
in Personal Credit Cards from 1st United Credit Union
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| Purchase APR (Variable APR) | 10.65% - 20.65% |
| Balance Transfer APR (Variable APR) | 10.65% - 20.65% |
| Credit Score Range | N/A |
| Annual Fee | $0 |
1st United Credit Union Starter Visa Platinum Credit Card Review
This is a credit card issued by 1st United Credit Union. If you're wondering whether 1st United Credit Union Starter Visa Platinum Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. 1st United Credit Union Starter Visa Platinum Credit Card has a variable purchase APR that ranges from 10.65% up to 20.65%.
- 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.
- 2% Balance transfer fee. 1st United Credit Union 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 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.
| The Good | The Bad |
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Does 1st United Credit Union Starter Visa Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the 1st United Credit Union Starter Visa Platinum Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It 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.
Does 1st United Credit Union 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 Credit Union 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 Credit Union Starter Visa Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $10 |
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 Credit Union Starter Visa Platinum Credit Card have a foreign transaction fee?
1st United Credit Union Starter Visa Platinum Credit Card charges a foreign transaction fee of 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 Credit Union Starter Visa Platinum Credit Card?
The 1st United Credit Union Starter Visa Platinum Credit Card customer service number is (800) 649-0193.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
5901 Gibraltar Drive
Pleasanton, CA 94588 - (800) 649-0193
- Visit Site
About 1st United Credit Union Starter Visa Platinum Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 2% |
| Foreign Currency Transaction Fee | 2% |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $10 |
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