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  1st United Credit Union Starter Visa Platinum Credit Card

1st United Credit Union Starter Visa Platinum Credit Card

in Personal Credit Cards from 1st United Credit Union

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1st United Credit Union Starter Visa Platinum Credit Card

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in Personal Credit Cards from 1st United Credit Union

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 10.65% - 20.65%
Balance Transfer APR  (Variable APR) 10.65% - 20.65%
Credit Score Range N/A

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.

    Does 1st United Credit Union Starter Visa Platinum Credit Card have an introductory APR offer?

    No, 1st United Credit Union Starter Visa Platinum Credit Card does not come with an introductory APR offer for balance transfers. 1st United Credit Union Starter Visa Platinum Credit Card does not offer an introductory rate on new purchases.
    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

    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 a foreign transaction fee.

    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.

    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...

    Contact

    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 5:00pm
    • Tuesday 8:30am - 5:00pm
    • Wednesday 9:00am - 5:00pm
    • Thursday 8:30am - 5:00pm
    • Friday 8:30am - 5:00pm
    • Saturday 9:00am - 5:00pm

    About 1st United Credit Union Starter Visa Platinum Credit Card

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    View all personal credit cards offered by 1st United Credit Union

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • 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

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 23
    Balance Transfer Fee % 2%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 2%
    Cash Advance Fee Minimum $5
    Foreign Currency Transaction Fee 2%
    Late Fee Amount Up to $10
    Returned Payment Fee Up to $25
    Co-signing Allowed  
    Credit History Not Required  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Cash Advance APR (Variable APR) 10.65% - 20.65%
    Purchase APR (Variable APR) 10.65% - 20.65%
    Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
    Credit Limit $500 credit limit
    Penalty APR 16.65%
    Balance Transfer APR (Variable APR) 10.65% - 20.65%

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    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    1st United Credit Union Visa Platinum Rewards Credit Card
    Annual Fee $0 Annual Fee
    Purchase APR 11.65% - 21.65%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 11.65% - 21.65%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 600 - 850     300 850
    1st United Credit Union Visa Platinum Credit Card
    Annual Fee $0 Annual Fee
    Purchase APR 10.65% - 20.65%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 10.65% - 20.65%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 600 - 850     300 850