1st United Credit Union Visa Platinum Rewards Credit Card
in Personal Credit Cards from 1st United Credit Union
Unaffiliated1st United Credit Union Visa Platinum Rewards Credit Card
in Personal Credit Cards from 1st United Credit Union
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| 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 that ranges from 11.65% up to 21.65%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 2% Balance transfer fee. 1st United Credit Union Visa Platinum Rewards 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
| The Good | The Bad |
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Is there a 1st United Credit Union Visa Platinum Rewards Credit Card cash back or rewards program?
1st United Credit Union Visa Platinum Rewards Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
| Fees | Amount |
|---|---|
| Annual Fee | up to $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.
Contact
- Headquarters
-
5901 Gibraltar Drive
Pleasanton, CA 94588 - (800) 649-0193
- Visit Site
About 1st United Credit Union Visa Platinum Rewards Credit Card
Availability
- 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 |
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Other Personal Credit Cards
1st United Credit Union Personal Credit Cards
Balance Transfer APR
10.65% - 20.65%
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
10.65% - 20.65%
Balance Transfer APR
10.65% - 20.65%
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
10.65% - 20.65%
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