AltaOne FCU Visa Platinum Rewards Credit Card

AltaOne FCU Visa Platinum Rewards Credit Card Review

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

Key Takeaways

• Competitive APRs. AltaOne FCU Visa Platinum Rewards Credit Card has a fixed purchase APR of 10.99%
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase 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 FCU Visa Platinum Rewards 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. Cardholders can earn rewards on purchases everywhere AltaOne FCU Visa Platinum Rewards Credit Card is accepted. AltaOne FCU Visa Platinum Rewards Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus.

AltaOne FCU Visa Platinum Rewards Credit Card FAQ

Does AltaOne FCU Visa Platinum Rewards Credit Card have a cash back or rewards program?

AltaOne FCU Visa Platinum Rewards Credit Card is a rewards card.

AltaOne FCU Visa Platinum Rewards Credit Card Rewards

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

What are the AltaOne FCU Visa Platinum Rewards 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 FCU Visa Platinum Rewards 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 FCU Visa Platinum Rewards Credit Card has a fixed purchase APR of 10.99%. The card has a fixed balance transfer APR of 10.99% . It also has a fixed cash advance APR of 10.99% .

What are the fees for AltaOne FCU Visa Platinum Rewards Credit Card?

The following fees apply:

• An overlimit fee of $25.

AltaOne FCU Visa Platinum Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$25
Late Payment Fee	up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does AltaOne FCU Visa Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, AltaOne FCU Visa Platinum Rewards 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 FCU Visa Platinum Rewards Credit Card

• Visit the AltaOne FCU Visa Platinum Rewards 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.