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  APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card

in Personal Credit Cards from APG Federal Credit Union

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APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card

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in Personal Credit Cards from APG Federal Credit Union

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 11.99% - 17.99%
Balance Transfer APR  (Variable APR) 10.49% - 17.99%
Credit Score Range 650 - 850
Rewards Rates 1% on Every Purchase

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Review

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card is a rewards credit card issued by APG Federal Credit Union.  If you're wondering whether APG Federal Credit Union Visa Platinum Preferred 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

  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Up to 1% on every day purchases. This is what most credit cards offer in rewards on every day purchases.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 15 months , which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card has a variable purchase APR of up to 17.99%.
  • Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. 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.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Earn rewards on every purchase.
  • APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card rewards.

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

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card offers a rewards program to its customers.

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card have a signup bonus?

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card doesn't offer a cash signup bonus.

Does APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card offer an annual loyalty bonus?

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card doesn't offer a cash loyalty bonus.

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

APG Federal Credit Union Visa Platinum Preferred Rewards 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 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. APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card has lower than average purchase APRs.

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card has a variable purchase APR that ranges from 11.99% 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 Rewards Credit Card have an introductory APR offer?

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

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

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 10.49% - 17.99%
Introductory Rate 0%
Intro APR period (months) 15
APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 11.99% - 17.99%
Credit Limit 50000
Penalty APR 18%
Cash Advance APR 10.49% - 17.99%
Security Deposit N/A
Introductory Rate 0%
Intro APR period (months) 15

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

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

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

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

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

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

  • Visit the APG Federal Credit Union Visa Platinum Preferred 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 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

Every Purchase (Points) Earn one point for every purchase dollar spent
Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 25
Balance Transfer Fee % 3%
Cash Advance Fee Minimum $2
Foreign Currency Transaction Fee 1%
Late Fee Amount $25
Minimum Cash Advance Fee ($) $2
Returned Payment Fee $20
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • Visa
Card Type
  • Rewards
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Fraud Liability  
Bonus Rewards 2,500 welcome and first card use bonus points
Rewards Rates
  • 1% on Every Purchase
Cash Advance APR (Variable APR) 10.49% - 17.99%
Purchase APR (Variable APR) 11.99% - 17.99%
Balance Computation average daily balance (including new purchases)
Credit Limit 50000
Introductory Rate 0%
Penalty APR 18%
Balance Transfer APR (Variable APR) 10.49% - 17.99%
Intro APR period 15
Introductory Rate 0%

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Other Personal Credit Cards

APG Federal Credit Union Personal Credit Cards

Product

Reviews

Annual Fee

Purchase APR

Balance Transfer APR

Credit Score Range

Rewards Rates

APG Federal Credit Union Visa Cash Back Credit Card
Annual Fee $0 Annual Fee
Purchase APR 12.74% - 17.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 12.74% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Rewards Rates
  • 1.5% on Every Purchase
APG Federal Credit Union Visa Platinum Preferred Credit Card
Annual Fee $0 Annual Fee
Purchase APR 10.49% - 17.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 10.49% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Rewards Rates N/A Rewards Rates
APG Federal Credit Union Visa Platinum Preferred Share Secured Card
Annual Fee $0 Annual Fee
Starting Purchase APR 5.35% Starting Variable APR
Starting Balance Transfer APR 5.35% Starting Variable APR
Credit Score Range 500 - 850     300 850
Rewards Rates
  • 1% on Every Purchase
APG Federal Credit Union Visa Money Market Secured Card
Annual Fee $0 Annual Fee
Starting Purchase APR 5.45% Starting Variable APR
Starting Balance Transfer APR 5.45% Starting Variable APR
Credit Score Range 500 - 850     300 850
Rewards Rates
  • 1% on Every Purchase