717 Credit Union Visa Platinum Rewards Credit Card

717 Credit Union Visa Platinum Rewards Credit Card Review

This is a cashback card issued by 717 Credit Union. If you're wondering whether 717 Credit Union Visa Platinum Rewards Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Competitive APRs. 717 Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 13.24% up to 23.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. 717 Credit Union Visa Platinum Rewards Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 12 days of opening the account. For example, a balance of $1,000 could cost $30 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 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of 717 Credit Union Visa Platinum Rewards Credit Card

717 Credit Union Visa Platinum Rewards Credit Card FAQ

Does 717 Credit Union Visa Platinum Rewards Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the 717 Credit Union Visa Platinum Rewards Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for 717 Credit Union Visa Platinum Rewards Credit Card?

717 Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 13.24% up to 23.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 24.99%. It also has a variable cash advance APR that ranges from 17.24% up to 24.99%. Note that late payments are subject to an APR of 24.99% 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 717 Credit Union Visa Platinum Rewards Credit Card?

The following fees apply:

• An overlimit fee of $35.

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

Does 717 Credit Union Visa Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, 717 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 717 Credit Union Visa Platinum Rewards Credit Card

• Visit the 717 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.