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  APCO Employees Credit Union Visa® Platinum Rewards Credit Card

APCO Employees Credit Union Visa® Platinum Rewards Credit Card

in Personal Credit Cards from APCO Employees Credit Union

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APCO Employees Credit Union Visa® Platinum Rewards Credit Card

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in Personal Credit Cards from APCO Employees Credit Union

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Highlights
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.

Key Takeaways
  • 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.
APCO Employees Credit Union Visa® Platinum Rewards Credit Card Pros & Cons
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.
APCO Employees Credit Union Visa® Platinum Rewards Credit Card FAQ

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

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.

APCO Employees Credit Union Visa® Platinum Rewards Credit Card Balance Transfers
Description
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.
APCO Employees Credit Union Visa® Platinum Rewards Credit Card Purchase Intro Offer
Description

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 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 4:30pm
  • Tuesday 8:30am - 4:30pm
  • Wednesday 8:30am - 4:30pm
  • Thursday 8:30am - 4:30pm
  • Friday 8:30am - 4:30pm
  • Saturday Closed

About APCO Employees Credit Union Visa® Platinum Rewards Credit Card

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View all personal credit cards offered by APCO Employees Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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.
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $3
Cash Advance Fee (%) Starting at 1%
Minimum Cash Advance Fee ($) Starting at $3
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $15
Paper Statement Fee $10
Late Fee Amount $25 - $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Travel
  • Every Purchase
  • Entertainment
  • Online
  • In-Store Eligible Purchases
  • Select Merchants
Cash Advance APR (Variable APR) 10% - 17.75%
Balance Computation “Average daily balance (including new purchases).”
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10% - 17.75%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10% - 17.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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