Last Updated: 04/18/2025
Alcoa Community FCU Platinum VISA Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
7.99% - 15.99%(Verified 09/20/2024)
Balance Transfer APR (Variable APR)
7.99% - 15.99%(Verified 09/20/2024)
Credit Score Range
Starting at 650
Annual Fee
$0
Alcoa Community FCU Platinum VISA Card Review
This is a card issued by Alcoa Community Federal Credit Union. If you're wondering whether Alcoa Community FCU Platinum VISA Card is the right card for you, read on.
Key Takeaways
- APRs: Alcoa Community FCU Platinum VISA Card has a variable regular purchase APR that ranges from 7.99% up to 15.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Alcoa Community FCU Platinum VISA Card
| The Good | The Bad |
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Alcoa Community FCU Platinum VISA Card FAQ
Does Alcoa Community FCU Platinum VISA Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Alcoa Community FCU Platinum VISA 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.Alcoa Community FCU Platinum VISA Card has a variable purchase APR that ranges from 7.99% up to 15.99%. The card has a variable balance transfer APR that ranges from 7.99% up to 15.99%. It also has a variable cash advance APR that ranges from 7.99% up to 15.99%.
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 Alcoa Community FCU Platinum VISA Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Alcoa Community FCU Platinum VISA 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 Alcoa Community FCU Platinum VISA Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Alcoa Community FCU Platinum VISA Card?
The customer service number for Alcoa Community FCU Platinum VISA Card is (501) 315-5626.
What is the support contact email for Alcoa Community FCU Platinum VISA Card?
The support contact email for Alcoa Community FCU Platinum VISA Card is info@alcoacfcu.org.
How do people rate the customer service and user experience of Alcoa Community FCU Platinum VISA Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alcoa Community FCU Platinum VISA Card report your account activity to credit bureaus?
Yes, Alcoa Community FCU Platinum VISA 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 Alcoa Community Federal Credit Union perform a hard credit pull?
Yes, Alcoa Community FCU Platinum VISA 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 Alcoa Community FCU Platinum VISA Card
- Visit the website of Alcoa Community FCU Platinum VISA 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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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM
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