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

1st United Credit Union Visa Platinum Rewards Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 2% on balance transfers. For example, a balance of $1,000 could cost $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 will have good approval oods if your credit score is above600.
Pros & Cons of 1st United Credit Union Visa Platinum Rewards Credit Card
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.
  • Cardholders can earn rewards on purchases everywhere 1st United Credit Union Visa Platinum Rewards Credit Card is accepted.
  • 1st United Credit Union Visa Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Weak point reward program
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
1st United Credit Union Visa Platinum Rewards Credit Card FAQ

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

1st United Credit Union Visa Platinum Rewards Credit Card is a rewards card.

1st United Credit Union Visa Platinum Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

  • 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%
Returned Payment Fee up to $25
Late Payment Fee up to $10

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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 foreign transaction fees.

What is the customer service phone number for 1st United Credit Union Visa Platinum Rewards Credit Card?

The 1st United Credit Union Visa Platinum Rewards Credit Card customer service number is (800) 649-0193.

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

Yes, 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 may help improve your credit.

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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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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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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 11.65% - 21.65%
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Penalty APR (Variable APR) 17.65%
Purchase APR (Variable APR) 11.65% - 21.65%
Balance Transfer APR (Variable APR) 11.65% - 21.65%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%
Card Type
  • Low Interest
  • Rewards
Card Network Visa

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