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.

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 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.

1st United Credit Union Visa Platinum Rewards Credit Card Pros and Cons:

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 every purchase. 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%. Charges a 2% balance transfer fee. 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

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.

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

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

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.