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  1st United CU Starter Visa Platinum Credit Card
1st United CU Starter Visa Platinum Credit Card
in Credit Cards from 1st United Credit Union
Unaffiliated

1st United CU Starter Visa Platinum Credit Card

Unaffiliated
in Credit Cards from 1st United Credit Union
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Highlights
Purchase APR  (Variable APR) 10.90% - 20.90%
(Verified 09/05/2022)
Balance Transfer APR  (Variable APR) 10.90% - 20.90%
(Verified 09/05/2022)
Credit Score Range N/A
Annual Fee $0

1st United CU Starter Visa Platinum Credit Card Review

This is a credit 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

  • Competitive APRs. 1st United CU Starter Visa Platinum Credit Card has a variable 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.
  • 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 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

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants who don't have a credit history.
  • 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.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.

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.

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

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

1st United CU Starter Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $0
Late Payment Fee up to $0

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 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 1st United CU Starter Visa Platinum Credit Card customer service number 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 1st United CU Starter Visa Platinum Credit Card login page?

You can access the 1st United CU Starter Visa Platinum Credit Card login page 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.

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

  • Visit the 1st United CU 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.

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.

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 CU Starter Visa Platinum Credit Card

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

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 2%
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee Up to $0
Late Fee Amount Up to $0
Credit History Not Required
Customer Type Personal
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Card Benefits
  • Fraud Liability
Cash Advance APR (Variable APR) 0%
APR Type Variable APR
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Credit Limit Up to $0
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10.90% - 20.90%
(Verified 09/05/2022)
Balance Transfer APR (Variable APR) 10.90% - 20.90%
(Verified 09/05/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

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