Reviews & Info for 360 Federal Credit Union Visa Platinum Rewards Credit Card | September 2020

Highlights
Purchase APR (Variable APR)	11.95% - 17.95%
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	600 - 850
Annual Fee	$0

360 Federal Credit Union Visa Platinum Rewards Credit Card Review

360 Federal Credit Union Visa Platinum Rewards Credit Card is a cashback credit card issued by 360 Federal Credit Union. If you're wondering whether 360 Federal 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

Earn a rewards rate of up to x.
0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
Competitive APRs. 360 Federal Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.95% up to 17.95%.
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.
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
Gas rewards.
Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

360 Federal Credit Union Visa Platinum Rewards Credit Card Pros & Cons

The Good	The Bad
Earn 1 point for every $1 you spend on purchases. Earn double points on gas or groceries and redeem them for travel, merchandise and more. Special introductory 0.99% Annual Percentage Rate (APR) for twelve months on transactions in the first 90 days. After that, one low rate for purchases and cash advances. Lower than average purchase APRs. 0% APR on new purchases during the first 12 months. No annual fee. Considers applicants with fair or poor credit. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Cardholders can earn rewards on their purchases.	Low reward rates. Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Does not report to credit bureaus. Does not include many credit card rewards.

The Good

The Bad

Earn 1 point for every $1 you spend on purchases. Earn double points on gas or groceries and redeem them for travel, merchandise and more.
Special introductory 0.99% Annual Percentage Rate (APR) for twelve months on transactions in the first 90 days. After that, one low rate for purchases and cash advances.
Lower than average purchase APRs.
0% APR on new purchases during the first 12 months.
No annual fee.
Considers applicants with fair or poor credit.
Cardholders can earn rewards on every purchase.
Earn rewards on every purchase.
Cardholders can earn rewards on their purchases.

Low reward rates.
Does not offer a signup bonus.
Charges a foreign transaction fee of 1%.
Does not report to credit bureaus.
Does not include many credit card rewards.

360 Federal Credit Union Visa Platinum Rewards Credit Card FAQ

Is there a 360 Federal Credit Union Visa Platinum Rewards Credit Card cash back or rewards program?

360 Federal Credit Union Visa Platinum Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

360 Federal Credit Union Visa Platinum Rewards Credit Card Rewards
Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

Does 360 Federal Credit Union Visa Platinum Rewards Credit Card have a signup bonus?

360 Federal Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash signup bonus.

Does 360 Federal Credit Union Visa Platinum Rewards Credit Card offer an annual loyalty bonus?

360 Federal Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the relevant APRs for 360 Federal 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. 360 Federal Credit Union Visa Platinum Rewards Credit Card has lower than average purchase APRs.

360 Federal Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.95% up to 17.95%. It also has a variable cash advance APR that ranges from 11.95% up to 17.95%. Note that late payments are subject to an APR of 18% 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 360 Federal Credit Union Visa Platinum Rewards Credit Card have an introductory APR offer on balance transfers?

No, 360 Federal Credit Union Visa Platinum Rewards Credit Card does not come with an introductory APR offer for balance transfers.

Does 360 Federal Credit Union Visa Platinum Rewards Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0.99% on qualified purchases for a period of up to 12 months.

360 Federal Credit Union Visa Platinum Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate	0.99%
Purchase Intro APR Period (months)	12

What are the fees for 360 Federal Credit Union Visa Platinum Rewards Credit Card?

The following fees apply to 360 Federal Credit Union Visa Platinum Rewards Credit Card:

An overlimit fee of $20.

360 Federal Credit Union Visa Platinum Rewards Credit Card Fees
Fees	Amount
Annual Fee	$0
Overlimit Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	$25

Does 360 Federal Credit Union Visa Platinum Rewards Credit Card have a foreign transaction fee?

360 Federal Credit Union Visa Platinum Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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.

How to apply for 360 Federal Credit Union Visa Platinum Rewards Credit Card

Visit the 360 Federal 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.

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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

Headquarters
191 Ella Grasso Turnpike
PO Box 273
Windsor Locks, CT 06096
(800) 544-4728
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Hours of Operation

Sunday Closed
Monday 8:00am - 5:00pm
Tuesday 8:00am - 5:00pm
Wednesday 8:00am - 5:00pm
Thursday 8:00am - 5:00pm
Friday 8:00am - 5:00pm
Saturday 9:30am - 1:00pm

About 360 Federal Credit Union Visa Platinum Rewards Credit Card

View all personal credit cards offered by 360 Federal Credit Union

View 360 Federal Credit Union Profile

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

Gas (Points)

2

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No Annual Fee
Annual Fee	$0
Minimum Interest Charge	$0.01
No Interest Grace Period for Late Payment	25 days
Cash Advance Fee Minimum	$5
Cash Advance Fee (%)	2%
Foreign Currency Transaction Fee	1%
Over-Limit Fee	$20
Returned Payment Fee	$25
Late Fee Amount	Starting at $25

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 - 850 850 300 600

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