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  American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card

American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card

in Personal Credit Cards from American Airlines Credit Union

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American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card

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in Personal Credit Cards from American Airlines Credit Union

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Highlights
Purchase APR  (Variable APR) 8.5% - 14.24%
Balance Transfer APR  (Variable APR) 8.5% - 14.24%
Credit Score Range 600 - 850
Annual Fee $0

American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card Review

This is a rewards credit card issued by American Airlines Credit Union. If you're wondering whether American Airlines Credit Union Visa® Platinum Starter Rewards 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
  • Competitive APRs. American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card has a variable purchase APR that ranges from 8.5% up to 14.24%.
  • 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card FAQ

Does American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card have a cash back or rewards program?

American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card is a rewards card.

American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for American Airlines Credit Union Visa® Platinum Starter 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.5% up to 14.24%. The card has a variable balance transfer APR that ranges from 8.5% up to 14.24%. It also has a variable cash advance APR that ranges from 8.5% up to 14.24%. 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 American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card have an intro APR offer on balance transfers?

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

Does American Airlines Credit Union Visa® Platinum Starter Rewards 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 American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card?

The following fees apply:

American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $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 American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card?

The American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card customer service number is (800) 533-0035.

What is the support contact email for American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card?

The support contact email for American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card is cuaccess@aacreditunion.org.

Does American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card report your account activity to credit bureaus?

Yes, American Airlines Credit Union Visa® Platinum Starter 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 American Airlines Credit Union Visa® Platinum Starter Rewards Credit Card

  • Visit the American Airlines Credit Union Visa® Platinum Starter 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.

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

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $2
Minimum Cash Advance Fee ($) Starting at $2
Minimum Interest Charge $0.50
Returned Payment Fee Up to $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
  • Tax Returns
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
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Car Rentals
  • Hotels
Cash Advance APR (Variable APR) 8.5% - 14.24%
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 8.5% - 14.24%
Balance Transfer APR (Variable APR) 8.5% - 14.24%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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