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  APG Federal Credit Union Visa Platinum Preferred Credit Card

APG Federal Credit Union Visa Platinum Preferred Credit Card

in Personal Credit Cards from APG Federal Credit Union

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APG Federal Credit Union Visa Platinum Preferred Credit Card

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in Personal Credit Cards from APG Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 10.49% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 10.49% - 17.99%

APG Federal Credit Union Visa Platinum Preferred Credit Card Review

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

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers of 0% for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. APG Federal Credit Union Visa Platinum Preferred Credit Card has a variable purchase APR of up to 17.99%.
  • 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 650.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • APG Federal Credit Union Visa Platinum Preferred Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a APG Federal Credit Union Visa Platinum Preferred Credit Card cash back or rewards program?

No, APG Federal Credit Union Visa Platinum Preferred Credit Card does not offer a rewards program.

What are the APG Federal Credit Union Visa Platinum Preferred Credit Card benefits?

APG Federal Credit Union Visa Platinum Preferred Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for APG Federal Credit Union Visa Platinum Preferred 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. APG Federal Credit Union Visa Platinum Preferred Credit Card has lower than average purchase APRs.

APG Federal Credit Union Visa Platinum Preferred Credit Card has a variable purchase APR that ranges from 10.49% up to 17.99%. The card has a variable balance transfer APR that ranges from 10.49% up to 17.99%. It also has a variable cash advance APR that ranges from 10.49% up to 17.99%. 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.

Does APG Federal Credit Union Visa Platinum Preferred Credit Card have an introductory APR offer on balance transfers??

Yes, APG Federal Credit Union Visa Platinum Preferred Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

APG Federal Credit Union Visa Platinum Preferred Credit Card Balance Transfers
Description
Balance Transfer APR N/A
Introductory Rate N/A
Balance Transfer Intro APR Period (months) N/A

Does APG Federal Credit Union Visa Platinum Preferred Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the APG Federal Credit Union Visa Platinum Preferred Credit Card fees?

The following fees apply to APG Federal Credit Union Visa Platinum Preferred Credit Card:

APG Federal Credit Union Visa Platinum Preferred Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 3%
Returned Payment Fee $20
Late Payment Fee $25

Does APG Federal Credit Union Visa Platinum Preferred Credit Card have a foreign transaction fee?

APG Federal Credit Union Visa Platinum Preferred 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 APG Federal Credit Union Visa Platinum Preferred Credit Card report your account activity to credit bureaus?

APG Federal Credit Union Visa Platinum Preferred 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 can help improve your credit score.

How to apply for APG Federal Credit Union Visa Platinum Preferred Credit Card

  • Visit the APG Federal Credit Union Visa Platinum Preferred 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 9:00am - 1:00pm

Other Services by APG Federal Credit Union

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Minimum Cash Advance Fee ($) $2
Foreign Currency Transaction Fee 1%
Returned Payment Fee $20
Balance Transfer Fee % 3%
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type Low Interest
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Cash Advance APR (Variable APR) 10.49% - 17.99%
Balance Computation average daily balance (including new purchases)
Credit Limit $50,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 10.49% - 17.99%
Introductory Rate 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 10.49% - 17.99%

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