Adventure Credit Union Visa Classic Platinum Credit Card Review

Adventure Credit Union Visa Classic Platinum Credit Card 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 is everything you need to know to make a good choice.

• 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 stand a chance of qualifying if your credit score is not below 600.

The Good

The Bad

Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Travel accident insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere Adventure Credit Union Visa Classic Platinum Credit Card is accepted. Adventure Credit Union Visa Classic Platinum Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

Is there a Adventure Credit Union Visa Classic Platinum Credit Card cash back or rewards program?

Adventure Credit Union Visa Classic Platinum Credit Card offers a rewards program to its customers.

Adventure Credit Union Visa Classic Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Adventure Credit Union Visa Classic Platinum Credit Card benefits?

Adventure Credit Union Visa Classic Platinum Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Adventure Credit Union Visa Classic Platinum Credit Card has lower than average purchase APRs.

Adventure Credit Union Visa Classic Platinum Credit Card 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.

What are the fees for Adventure Credit Union Visa Classic Platinum Credit Card?

The following fees apply to Adventure Credit Union Visa Classic Platinum Credit Card:

Adventure Credit Union Visa Classic Platinum Credit Card Fees

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

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.