
APCO Employees Credit Union Visa® Platinum Rewards Credit Card
in Personal Credit Cards from APCO Employees Credit Union
UnaffiliatedAPCO Employees Credit Union Visa® Platinum Rewards Credit Card
in Personal Credit Cards from APCO Employees Credit Union
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Purchase APR (Variable APR) | 10% - 17.75% |
Balance Transfer APR (Variable APR) | 10% - 17.75% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
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 |
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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.
Minimum rewards rate | 1.75x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does APCO Employees Credit Union Visa® Platinum Rewards Credit Card have a signup bonus?
APCO Employees Credit Union Visa® Platinum Rewards Credit Card doesn't offer a cash signup bonus.Does APCO Employees Credit Union Visa® Platinum Rewards Credit Card offer an annual loyalty bonus?
APCO Employees Credit Union Visa® Platinum Rewards Credit Card doesn't offer a cash loyalty bonus.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.
Does APCO Employees Credit Union Visa® Platinum Rewards Credit Card have an introductory APR offer on balance transfers?
Yes, APCO Employees Credit Union Visa® Platinum Rewards Credit Card offers an introductory APR rate on balance transfers of 1.99% for a period of up to 6 months.
Description | |
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Balance Transfer Fee % After Intro Period | 0% |
Balance Transfer Introductory APR | 1.99% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 10% - 17.75% |
Balance Transfer Fee Minimum | $0 |
Balance Transfer Fee % | 0% |
Does APCO Employees Credit Union Visa® Platinum Rewards Credit Card have an introductory APR offer on new purchases?
APCO Employees Credit Union Visa® Platinum Rewards Credit Card does not offer an introductory rate on new purchases.Description |
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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:
Fees | Amount |
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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 have a foreign transaction fee?
APCO Employees Credit Union Visa® Platinum Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.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.
Contact
- Headquarters
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750 17th St.
North Birmingham, AL 35203 - (205) 226-6800
- Visit Site
About APCO Employees Credit Union Visa® Platinum Rewards Credit Card

Availability
- 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
Every Purchase (Points) | You’ll earn 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers. |
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