American Airlines CU Visa® Platinum Credit Card

American Airlines CU Visa® Platinum Credit Card Review

This is a rewards card issued by American Airlines Credit Union. If you're wondering whether American Airlines CU Visa® Platinum Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. American Airlines CU Visa® Platinum 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 Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel accident insurance, 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 American Airlines CU 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. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. American Airlines CU Visa® Platinum Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. You don't earn rewards on every purchase.

American Airlines CU Visa® Platinum Credit Card FAQ

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

American Airlines CU Visa® Platinum Credit Card is a rewards card.

American Airlines CU Visa® Platinum Credit Card Rewards

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

What are the American Airlines CU Visa® Platinum 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 CU 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.

American Airlines CU Visa® Platinum Credit Card 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.

What are the fees for American Airlines CU Visa® Platinum Credit Card?

The following fees apply:

American Airlines CU Visa® Platinum Credit Card Fees

Description
Cash Advance Fee Minimum	$2
Minimum Cash Advance Fee ($)	Starting at $2
Foreign Currency Transaction Fee	0%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
Minimum Interest Charge	$0.50
No Interest Grace Period for Late Payment	23 days
Returned Payment Fee	Up to $25
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 rewards card.

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

Yes, American Airlines CU 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 American Airlines CU Visa® Platinum Credit Card

• Visit the American Airlines CU 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.