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  1st United Credit Union Visa Platinum Credit Card

1st United Credit Union Visa Platinum Credit Card

in Personal Credit Cards from 1st United Credit Union

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1st United Credit Union Visa Platinum Credit Card

Unaffiliated

in Personal Credit Cards from 1st United Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 10.65% - 20.65%
Balance Transfer APR  (Variable APR) 10.65% - 20.65%
Credit Score Range 600 - 850
Annual Fee $0

1st United Credit Union Visa Platinum Credit Card Review

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

Key takeaways:

  • Competitive APRs. 1st United Credit Union 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 Visa Platinum Credit Card charges a fee of up to 2% on balance transfers. For example, a balance of $1,000 could cost up to $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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

1st United Credit Union Visa Platinum Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • 1st United Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.
  • 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.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card rewards.

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

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

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

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

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for 1st United Credit Union 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 Visa Platinum Credit Card has lower than average purchase APRs.

1st United Credit Union 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 Visa Platinum Credit Card have an introductory APR offer on balance transfers?

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

Does 1st United Credit Union Visa Platinum Credit Card have an introductory APR offer on new purchases?

1st United Credit Union Visa Platinum Credit Card does not offer an introductory rate on new purchases.
1st United Credit Union Visa Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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

  • There is no overlimit fee
1st United Credit Union Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $25
Late Payment Fee up to $10

Does 1st United Credit Union Visa Platinum Credit Card have a foreign transaction fee?

1st United Credit Union 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.

Does 1st United Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

1st United Credit Union Visa Platinum Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

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

  • Visit the 1st United Credit Union 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 Visa Platinum Credit Card

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

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
Over-Limit 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
Customer Type Personal
Minimum Age 18
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 Score Range 600 - 850
Card Type Low Interest
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
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)
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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