Andrews Federal CU Platinum Visa® Credit Card

Andrews Federal CU Platinum Visa® Credit Card Review

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

Key Takeaways

• Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Andrews Federal CU Platinum Visa® Credit Card has a variable purchase APR that ranges from 12.74% 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.
• 2% Balance transfer fee. Andrews Federal CU Platinum Visa® Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
• 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, identity theft protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.

Pros & Cons of Andrews Federal CU Platinum Visa® 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. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Andrews Federal CU Platinum Visa® Credit Card reports to multiple credit bureaus.	Charges a 2% balance transfer fee.

Andrews Federal CU Platinum Visa® Credit Card FAQ

Does Andrews Federal CU Platinum Visa® Credit Card have a cash back or rewards program?

Andrews Federal CU Platinum Visa® Credit Card is a rewards card.

Andrews Federal CU Platinum Visa® Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	5000

What are the Andrews Federal CU Platinum Visa® Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Andrews Federal CU Platinum Visa® 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.

Andrews Federal CU Platinum Visa® Credit Card has a variable purchase APR that ranges from 12.74% up to 18%. The card has a variable balance transfer APR that ranges from 12.74% up to 18%. It also has a variable cash advance APR that ranges from 12.74% 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 Andrews Federal CU Platinum Visa® Credit Card?

The following fees apply:

Andrews Federal CU Platinum Visa® 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 Andrews Federal CU Platinum Visa® Credit Card report your account activity to credit bureaus?

Yes, Andrews Federal CU Platinum 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 Andrews Federal CU Platinum Visa® Credit Card

• Visit the Andrews Federal CU Platinum 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.