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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
Purchase APR  (Variable APR) 11.99% - 17.99%
Balance Transfer APR  (Variable APR) 10.49% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0

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
  • Earn a rewards rate of up to x.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers 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 Rewards Credit Card has a variable purchase APR that ranges from 11.99% up to 17.99%.
  • 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.
  • 3% Balance transfer fee. APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • 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.
APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Pros & Cons
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.
  • Cardholders can earn rewards on purchases everywhere APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card is accepted.
  • APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card FAQ

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

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:

  • 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 on balance transfers?

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.

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 10.49% - 17.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum N/A

Does APG Federal Credit Union Visa Platinum Preferred Rewards 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.

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 15

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

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%
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?

Yes, 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 may help improve your credit.

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...
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 8:00am - 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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View all personal credit cards offered by APG Federal Credit Union

Availability

  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
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
Late Fee Amount $25
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
  • 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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Fraud Liability
Bonus Rewards 2,500 welcome and first card use bonus points
Rewards Rates Every Purchase
Cash Advance APR (Variable APR) 10.49% - 17.99%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $50,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.99% - 17.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 10.49% - 17.99%
Balance Transfer Fee % 3%
Card Type Rewards
Card Network Visa

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SUPERMONEY NET RECOMMENDATION SCORE

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