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  AltaOne Federal Credit Union Visa Platinum Rewards Credit Card

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card

in Personal Credit Cards from AltaOne Federal Credit Union

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AltaOne Federal Credit Union Visa Platinum Rewards Credit Card

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in Personal Credit Cards from AltaOne Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 10.99
Balance Transfer APR  (Fixed APR) 10.99
Credit Score Range 600 - 850
Annual Fee 0

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card Review

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card is a rewards credit card issued by AltaOne Federal Credit Union. If you're wondering whether AltaOne Federal Credit Union Visa Platinum Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. AltaOne Federal Credit Union 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 oods if your credit score is above600.
AltaOne Federal Credit Union Visa Platinum Rewards Credit Card Pros & Cons
The Good The Bad
  • 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 or poor credit.
  • Cardholders can earn rewards on purchases everywhere AltaOne Federal Credit Union Visa Platinum Rewards Credit Card is accepted.
  • AltaOne Federal Credit Union Visa Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
AltaOne Federal Credit Union Visa Platinum Rewards Credit Card FAQ

Is there a AltaOne Federal Credit Union Visa Platinum Rewards Credit Card cash back or rewards program?

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card offers a rewards program to its customers.

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does AltaOne Federal Credit Union Visa Platinum Rewards Credit Card have a signup bonus?

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash signup bonus.

Does AltaOne Federal Credit Union Visa Platinum Rewards Credit Card offer an annual loyalty bonus?

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash loyalty bonus.

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

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card 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 Rewards 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. AltaOne Federal Credit Union Visa Platinum Rewards Credit Card has lower than average purchase APRs.

AltaOne Federal Credit Union 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% .

Does AltaOne Federal Credit Union Visa Platinum Rewards Credit Card have an introductory APR offer on balance transfers?

No, AltaOne Federal Credit Union Visa Platinum Rewards Credit Card does not come with an introductory APR offer for balance transfers.

Does AltaOne Federal Credit Union Visa Platinum Rewards Credit Card have an introductory APR offer on new purchases?

AltaOne Federal Credit Union Visa Platinum Rewards Credit Card does not offer an introductory rate on new purchases.

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

The following fees apply to AltaOne Federal Credit Union Visa Platinum Rewards Credit Card:

  • An overlimit fee of $25.
AltaOne Federal Credit Union Visa Platinum Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $25
Late Payment Fee up to $25

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

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

  • Visit the AltaOne Federal Credit Union 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 6:00pm
  • Tuesday 7:00am - 6:00pm
  • Wednesday 7:00am - 6:00pm
  • Thursday 7:00am - 6:00pm
  • Friday 7:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by AltaOne Federal Credit Union

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View all personal credit cards offered by AltaOne Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee 0
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee 25
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Travel
  • Car Rentals
  • Hotels
  • Every Purchase
  • eBay Purchases
Cash Advance APR (Fixed APR) 10.99
Credit Limit 500 - 25
Purchase APR (Fixed APR) 10.99
Balance Transfer APR (Fixed APR) 10.99
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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