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  AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card

AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card

in Personal Credit Cards from AltaOne Federal Credit Union

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AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card

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in Personal Credit Cards from AltaOne Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 17.99
Balance Transfer APR  (Fixed APR) 17.99
Credit Score Range 350 - 600
Annual Fee $30

AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card Review

This is a secured credit card credit card issued by AltaOne Federal Credit Union. If you're wondering whether AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 17.99%
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • 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 accident insurance, travel assistance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card
The Good The Bad
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $30
  • 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 Share Secured Credit Card FAQ

Does AltaOne Federal Credit Union Visa Platinum Share Secured 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 Share Secured Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for AltaOne Federal Credit Union Visa Platinum Share Secured 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. It has higher than average regular APRs.

It has a fixed purchase APR of 17.99%. The card has a fixed balance transfer APR of 17.99% . It also has a fixed cash advance APR of 17.99% .

Does AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does AltaOne Federal Credit Union Visa Platinum Share Secured Credit 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 AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card?

The following fees apply:

  • An overlimit fee of $25.
AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card Fees
Fees Amount
Annual Fee $30
Overlimit Fee $25
Late Payment Fee up to $25

What is the customer service phone number for AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card?

The AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card customer service number is (800) 433-9727.

What is the support contact email for AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card?

The support contact email for AltaOne Federal Credit Union Visa Platinum Share Secured Credit Card is feedback@altaone.net.

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

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

  • Visit the AltaOne Federal Credit Union Visa Platinum Share Secured 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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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 Interest Grace Period for Late Payment 25 days
Annual Fee $30
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 350 - 600
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 Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 17.99
Credit Limit Starting at 300
Purchase APR (Fixed APR) 17.99
Balance Transfer APR (Fixed APR) 17.99
Card Type
  • Secured
  • Low Interest
Card Network Visa

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