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

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.

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:

  • Fraud Liability
  • Reports to major credit bureaus

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

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?

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

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

  • Visit the 1st United Credit Union website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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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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
Over-Limit Fee $0
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
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
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range 600 - 850
Card Network
  • Visa
Card Type
  • Low Interest
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
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)
Penalty APR 16.65%
Balance Transfer APR (Variable APR) 10.65% - 20.65%

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1st United Credit Union Personal Credit Cards

Product

Reviews

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)
    8% 29% Variable APR
Credit Score Range 600 - 850     300 850
1st United Credit Union Starter 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)
    8% 29% Variable APR
Credit Score Range N/A Credit Score Range