APCO Employees CU Visa Platinum Credit Card

APCO Employees CU Visa Platinum Credit Card Review

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

Key Takeaways

• Competitive APRs. APCO Employees CU Visa Platinum 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 will have good approval odds if your credit score is above 600.

Pros & Cons of APCO Employees CU Visa Platinum Credit Card

APCO Employees CU Visa Platinum Credit Card FAQ

Does APCO Employees CU Visa Platinum Credit Card have a cash back or rewards program?

APCO Employees CU Visa Platinum Credit Card is a rewards card.

What are the APCO Employees CU Visa Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for APCO Employees CU Visa Platinum Credit Card?

APCO Employees CU Visa Platinum 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 CU Visa Platinum Credit Card?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does APCO Employees CU Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, APCO Employees 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 APCO Employees CU Visa Platinum Credit Card

• Visit the APCO Employees 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.