Adventure Credit Union Visa Classic Platinum Credit Card
in Personal Credit Cards from Adventure Credit Union
UnaffiliatedAdventure Credit Union Visa Classic Platinum Credit Card
in Personal Credit Cards from Adventure Credit Union
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| Purchase APR (Fixed APR) | 14.88% |
| Balance Transfer APR (Fixed APR) | 14.88% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Adventure Credit Union Visa Classic Platinum Credit Card Review
This is a rewards credit card issued by Adventure Credit Union. If you're wondering whether Adventure Credit Union Visa Classic Platinum Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
Key Takeaways
- Competitive APRs. Adventure Credit Union Visa Classic Platinum Credit Card has a fixed purchase APR of 14.88%
- 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.
- Accepts cosigners. Adventure Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Adventure Credit Union Visa Classic Platinum Credit Card
| The Good | The Bad |
|---|---|
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Adventure Credit Union Visa Classic Platinum Credit Card FAQ
Does Adventure Credit Union Visa Classic Platinum Credit Card have a cash back or rewards program?
Adventure Credit Union Visa Classic Platinum Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Adventure Credit Union Visa Classic Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Adventure Credit Union Visa Classic Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Adventure Credit Union Visa Classic Platinum Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Adventure Credit Union Visa Classic Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a fixed purchase APR of 14.88%. The card has a fixed balance transfer APR of 14.88% . It also has a fixed cash advance APR of 14.88% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Adventure Credit Union Visa Classic 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 Adventure Credit Union Visa Classic Platinum Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Adventure Credit Union Visa Classic Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | 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 Adventure Credit Union Visa Classic Platinum Credit Card have a foreign transaction fee?
Adventure Credit Union Visa Classic Platinum 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 foreign transaction fees.Does Adventure Credit Union Visa Classic Platinum Credit Card report your account activity to credit bureaus?
Yes, Adventure Credit Union Visa Classic Platinum 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 Adventure Credit Union Visa Classic Platinum Credit Card
- Visit the Adventure Credit Union Visa Classic Platinum 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.
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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
-
630 32nd Street SE
Grand Rapids, MI 49548 - Visit Site
Other Services by Adventure Credit Union
View all personal credit cards offered by Adventure Credit Union
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
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Additional Card Fee Amount | $0 |
| Cash Advance Fee (%) | Starting at 3% |
| Initial Program Fee | $0 |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $5 |
| Late Fee Amount | Up to $20 |
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