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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
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.

Key Takeaways
  • 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.
Pros & Cons of 1st United Credit Union 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 Credit Union Starter Visa Platinum Credit Card FAQ

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. This card has lower than average regular 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 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:

1st United Credit Union Starter Visa Platinum Credit Card Fees
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 support contact email for 1st United Credit Union Starter Visa Platinum Credit Card?

The support contact email for 1st United Credit Union Starter Visa Platinum Credit Card is email@1stunitedcu.org.

How do people rate the customer service and user experience of 1st United Credit Union 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 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.

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 Credit Union Starter Visa Platinum Credit Card

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View all personal 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
  • 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
Credit History Not Required
Customer Type Personal
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Card Benefits
  • Fraud Liability
Cash Advance APR (Variable APR) 10.65% - 20.65%
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Credit Limit Up to $0
Penalty APR (Variable APR) 16.65%
Purchase APR (Variable APR) 10.65% - 20.65%
Balance Transfer APR (Variable APR) 10.65% - 20.65%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.