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  1st United Credit Union Visa Platinum Rewards Credit Card

1st United Credit Union Visa Platinum Rewards Credit Card

in Personal Credit Cards from 1st United Credit Union

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1st United Credit Union Visa Platinum Rewards Credit Card

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in Personal Credit Cards from 1st United Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 11.65% - 21.65%
Credit Score Range 600 - 850
Annual Fee $0
Purchase APR  (Variable APR) 11.65% - 21.65%

1st United Credit Union Visa Platinum Rewards Credit Card Review

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

  • Competitive APRs. 1st United Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR of up to 21.65%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 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.
The Good The Bad
  • Rates as low as 11.65% APR
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Earn rewards on every purchase.
  • 1st United Credit Union Visa Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Weak point reward program
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Does not include many credit card rewards.

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

1st United Credit Union Visa Platinum Rewards Credit Card offers a rewards program to its customers.

1st United Credit Union Visa Platinum Rewards Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does 1st United Credit Union Visa Platinum Rewards Credit Card have a signup bonus?

1st United Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash signup bonus.

Does 1st United Credit Union Visa Platinum Rewards Credit Card offer an annual loyalty bonus?

1st United Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash loyalty bonus.

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

1st United Credit Union Visa Platinum Rewards 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 Rewards 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 Rewards Credit Card has lower than average purchase APRs.

1st United Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.65% up to 21.65%. The card has a variable balance transfer APR that ranges from 11.65% up to 21.65%. It also has a variable cash advance APR that ranges from 11.65% up to 21.65%. Note that late payments are subject to an APR of 17.65% 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 Rewards Credit Card have an introductory APR offer on balance transfers??

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

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

1st United Credit Union Visa Platinum Rewards Credit Card does not offer an introductory rate on new purchases.

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

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

  • There is no overlimit fee
1st United Credit Union Visa Platinum Rewards 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 Rewards Credit Card have a foreign transaction fee?

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

1st United Credit Union Visa Platinum Rewards 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 Rewards Credit Card

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

No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 2%
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $25
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%
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
Card Type
  • Low Interest
  • Rewards
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 11.65% - 21.65%
Purchase APR (Variable APR) 11.65% - 21.65%
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Penalty APR 17.65%
Balance Transfer APR (Variable APR) 11.65% - 21.65%

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Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

1st United Credit Union Visa Platinum Credit Card
Balance Transfer APR 10.65% - 20.65%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.65% - 20.65%
(Variable APR)
    0% 36% Variable APR
1st United Credit Union Starter Visa Platinum Credit Card
Balance Transfer APR 10.65% - 20.65%
(Variable APR)
    5% 29% Variable APR
Credit Score Range N/A Credit Score Range
Annual Fee $0 Annual Fee
Purchase APR 10.65% - 20.65%
(Variable APR)
    0% 36% Variable APR