AltaOne Federal Credit Union Visa Platinum Credit Card

AltaOne Federal Credit Union Visa Platinum Credit Card Review

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

Key Takeaways

• Competitive APRs. AltaOne Federal Credit Union Visa Platinum Credit Card has a fixed purchase APR that ranges from 14.99% up to 17.99%.
• 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, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of AltaOne Federal Credit Union Visa Platinum Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Considers applicants with fair credit. AltaOne Federal Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

AltaOne Federal Credit Union Visa Platinum Credit Card FAQ

Does AltaOne Federal Credit Union Visa Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the AltaOne Federal Credit Union Visa Platinum Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for AltaOne Federal Credit Union Visa 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. This card has lower than average regular APRs.

AltaOne Federal Credit Union Visa Platinum Credit Card has a fixed purchase APR that ranges from 14.99% up to 17.99%. The card has a fixed balance transfer APR that ranges from 14.99% up to 17.99%. It also has a fixed cash advance APR that ranges from 14.99% up to 17.99%.

What are the fees for AltaOne Federal Credit Union Visa Platinum Credit Card?

The following fees apply:

• An overlimit fee of $25.

AltaOne Federal Credit Union Visa Platinum Credit Card Fees

Description
No Annual Fee?
Annual Fee	$0
Over-Limit Fee	25
No Interest Grace Period for Late Payment	25 days
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.

Does AltaOne Federal Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, AltaOne Federal Credit Union Visa 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 AltaOne Federal Credit Union Visa Platinum Credit Card

• Visit the AltaOne Federal Credit Union Visa 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.