APCO Employees Credit Union Visa® Platinum Rewards Credit Card Review

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

• Competitive APRs. APCO Employees Credit Union Visa® Platinum Rewards Credit Card has a variable purchase APR that ranges from 10% up to 17.75%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere APCO Employees Credit Union Visa® Platinum Rewards Credit Card is accepted. APCO Employees Credit Union Visa® Platinum Rewards Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Does not include many credit card benefits.

Is there a APCO Employees Credit Union Visa® Platinum Rewards Credit Card cash back or rewards program?

APCO Employees Credit Union Visa® Platinum Rewards Credit Card offers a rewards program to its customers.

APCO Employees Credit Union Visa® Platinum Rewards Credit Card Rewards

Minimum rewards rate	1.75x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the APCO Employees Credit Union Visa® Platinum Rewards Credit Card benefits?

APCO Employees Credit Union Visa® Platinum Rewards Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for APCO Employees Credit Union Visa® Platinum Rewards 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. APCO Employees Credit Union Visa® Platinum Rewards Credit Card has lower than average purchase APRs.

APCO Employees Credit Union Visa® Platinum Rewards Credit Card has a variable purchase APR that ranges from 10% up to 17.75%. The card has a variable balance transfer APR that ranges from 10% up to 17.75%. It also has a variable cash advance APR that ranges from 10% up to 17.75%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for APCO Employees Credit Union Visa® Platinum Rewards Credit Card?

The following fees apply to APCO Employees Credit Union Visa® Platinum Rewards Credit Card:

APCO Employees Credit Union Visa® Platinum Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $15
Late Payment Fee	$25 - $35

Does APCO Employees Credit Union Visa® Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, APCO Employees Credit Union Visa® Platinum 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 APCO Employees Credit Union Visa® Platinum Rewards Credit Card

• Visit the APCO Employees Credit Union Visa® Platinum 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.