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. 

This card is designed for people with fair credit. The minimum credit score to apply is 600. 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.

Pros & Cons of 1st United Credit Union Visa Platinum Credit Card

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. 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.

1st United Credit Union 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 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.

1st United Credit Union 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 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	N/A
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 Visa Platinum Credit Card fees?

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%
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 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 score.

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.