American Eagle Financial Credit Union Platinum Rewards Visa Credit Card Review

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

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Competitive APRs. American Eagle Financial Credit Union Platinum Rewards Visa Credit Card has a variable purchase APR that ranges from 11.9% up to 18%.
• 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.
• 3% Balance transfer fee. American Eagle Financial Credit Union Platinum Rewards Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good

The Bad

Earn points on every purchase and enjoy the benefits of your rewards for discounts on merchandise, gift cards, travel services, or as cash back as a statement credit on your account Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere American Eagle Financial Credit Union Platinum Rewards Visa Credit Card is accepted. American Eagle Financial Credit Union Platinum Rewards Visa Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

Is there a American Eagle Financial Credit Union Platinum Rewards Visa Credit Card cash back or rewards program?

American Eagle Financial Credit Union Platinum Rewards Visa Credit Card offers a rewards program to its customers.

American Eagle Financial Credit Union Platinum Rewards Visa Credit Card Rewards

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

What are the American Eagle Financial Credit Union Platinum Rewards Visa Credit Card benefits?

American Eagle Financial Credit Union Platinum Rewards Visa Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• Cellular Telephone Protection
• Reports to major credit bureaus

What are the relevant APRs for American Eagle Financial Credit Union Platinum Rewards Visa 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. American Eagle Financial Credit Union Platinum Rewards Visa Credit Card has lower than average purchase APRs.

American Eagle Financial Credit Union Platinum Rewards Visa Credit Card has a variable purchase APR that ranges from 11.9% up to 18%. The card has a variable balance transfer APR that ranges from 11.9% up to 18%. It also has a variable cash advance APR that ranges from 11.9% up to 18%. 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 Eagle Financial Credit Union Platinum Rewards Visa Credit Card?

The following fees apply to American Eagle Financial Credit Union Platinum Rewards Visa Credit Card:

• There is no overlimit fee

American Eagle Financial Credit Union Platinum Rewards Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $25
Late Payment Fee	up to $37

Does American Eagle Financial Credit Union Platinum Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, American Eagle Financial Credit Union Platinum Rewards Visa 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 Eagle Financial Credit Union Platinum Rewards Visa Credit Card

• Visit the American Eagle Financial Credit Union Platinum Rewards Visa 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.