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  360 Federal Credit Union Visa Platinum Rewards Credit Card

360 Federal Credit Union Visa Platinum Rewards Credit Card

in Personal Credit Cards from 360 Federal Credit Union

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360 Federal Credit Union Visa Platinum Rewards Credit Card

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in Personal Credit Cards from 360 Federal Credit Union

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

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. 

This card is designed for people with fair credit. The minimum credit score to apply is 600. 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.

Pros & Cons of 360 Federal Credit Union Visa Platinum Rewards Credit Card
Pros Cons
  • 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.
  • Low reward rates.
  • 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?

    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?

    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 Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    360 Federal Credit Union Visa Platinum Rewards Credit Card Rates & Terms
    Description
    Balance Computation “Average Daily Balance” (including new purchases/transactions)
    Purchase APR 11.95% - 17.95%
    Credit Limit N/A
    Penalty APR 18%
    Cash Advance APR 11.95% - 17.95%
    Security Deposit N/A
    Introductory Rate 0.99%
    Intro APR period (months) 12

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

    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 website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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 8:00am - 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

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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

    Gas (Points) 2
    Groceries 2%
    Annual Fee $0
    Minimum Interest Charge $0.01
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Cash Advance Fee (%) 2%
    Cash Advance Fee Minimum $5
    Foreign Currency Transaction Fee 1%
    Late Fee Amount Starting at $25
    Over-Limit Fee $20
    Returned Payment Fee $25
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Credit Score Range 600 - 850
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    Cash Advance APR (Variable APR) 11.95% - 17.95%
    Purchase APR (Variable APR) 11.95% - 17.95%
    Balance Computation “Average Daily Balance” (including new purchases/transactions)
    Introductory Rate 0.99%
    Penalty APR 18%

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