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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

Unaffiliated

in Personal Credit Cards from 360 Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0
Purchase APR  (Variable APR) 11.95% - 17.95%
Rewards Rates
  • 1% on Every Purchase
  • Gas
  • 2% on Groceries

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.

  • Up to 1% on every day purchases.
  • Competitive APRs. 360 Federal Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR of up to 17.95%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives 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.
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.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • 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.

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.

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 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.

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
No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0.01
No Interest Grace Period for Late Payment 25
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
Rewards Rates
  • 1% on Every Purchase
  • Gas
  • 2% on Groceries
Cash Advance APR (Variable APR) 11.95% - 17.95%
Purchase APR (Variable APR) 11.95% - 17.95%
Introductory Rate 0.99%
Balance Computation “Average Daily Balance” (including new purchases/transactions)
Penalty APR 18%
Intro APR period 12

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Balance Transfer APR

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Annual Fee

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360 Federal Credit Union Secured Visa Classic
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
Annual Fee $0 Annual Fee
Purchase APR 15.50% Variable APR
Rewards Rates N/A Rewards Rates