Last Updated: 07/28/2025
Advantage One CU Visa Platinum Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.98% - 23.98%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.98% - 23.98%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Advantage One CU Visa Platinum Credit Card Review
This is a rewards card issued by Advantage One Credit Union. If you're wondering whether Advantage One CU Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 1000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Advantage One CU Visa Platinum Credit Card has a variable regular purchase APR that ranges from 10.98% up to 23.98%.
- 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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Advantage One CU Visa Platinum Credit Card
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Advantage One CU Visa Platinum Credit Card FAQ
Does Advantage One CU Visa Platinum Credit Card have a cash back or rewards program?
Advantage One CU Visa Platinum Credit Card is a rewards card.
| Description |
Does Advantage One CU Visa Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 1000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Advantage One CU Visa Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Advantage One CU Visa Platinum Credit Card benefits?
Advantage One CU Visa Platinum Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Advantage One CU Visa Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Advantage One CU Visa Platinum Credit Card has a variable purchase APR that ranges from 10.98% up to 23.98%. The card has a variable balance transfer APR that ranges from 10.98% up to 23.98%. It also has a variable cash advance APR that ranges from 10.98% up to 23.98%.
Note that late payments are subject to an APR of 23.98% 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 Advantage One CU Visa Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Advantage One CU Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0.99% on qualified purchases for a period of 6 months.
What are the fees for Advantage One CU Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Advantage One CU Visa Platinum Credit Card have a foreign transaction fee?
Advantage One CU Visa Platinum Credit Card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Advantage One CU Visa Platinum Credit Card?
The customer service number for Advantage One CU Visa Platinum Credit Card is (734) 676-7000.
What is the support contact email for Advantage One CU Visa Platinum Credit Card?
The support contact email for Advantage One CU Visa Platinum Credit Card is help@myaocu.com.
What is the login page for Advantage One CU Visa Platinum Credit Card?
You can access the login page of Advantage One CU Visa Platinum Credit Card here.
How do people rate the customer service and user experience of Advantage One CU Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Advantage One CU Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Advantage One CU Visa Platinum Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Advantage One Credit Union perform a hard credit pull?
Yes, Advantage One CU Visa Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Advantage One CU Visa Platinum Credit Card
- Visit the website of Advantage One CU Visa Platinum Credit Card.
- 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.
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