
APGFCU Visa Platinum Preferred Rewards Credit Card
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Purchase APR (Variable APR) |
12.74% - 17.99% (Verified 09/07/2022) |
Balance Transfer APR (Variable APR) |
11.24% - 17.99% (Verified 09/07/2022) |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
APGFCU Visa Platinum Preferred Rewards Credit Card Review
This is a rewards credit card issued by APG Federal Credit Union. If you're wondering whether APGFCU Visa Platinum Preferred Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 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. APGFCU Visa Platinum Preferred Rewards Credit Card has a variable purchase APR that ranges from 12.74% 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of APGFCU Visa Platinum Preferred Rewards Credit Card
The Good | The Bad |
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APGFCU Visa Platinum Preferred Rewards Credit Card FAQ
Does APGFCU Visa Platinum Preferred Rewards Credit Card have a cash back or rewards program?
APGFCU Visa Platinum Preferred Rewards Credit Card is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Does APGFCU Visa Platinum Preferred Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does APGFCU Visa Platinum Preferred Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the APGFCU Visa Platinum Preferred Rewards Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for APGFCU Visa Platinum Preferred Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.APGFCU Visa Platinum Preferred Rewards Credit Card has a variable purchase APR that ranges from 12.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.24% up to 17.99%. It also has a variable cash advance APR that ranges from 11.24% 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 APGFCU Visa Platinum Preferred Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 18 months |
Balance Transfer APR | 11.24% - 17.99% |
Balance Transfer Fee % | 0% |
Does APGFCU Visa Platinum Preferred Rewards Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for APGFCU Visa Platinum Preferred Rewards Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | $20 |
Late Payment Fee | $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does APGFCU Visa Platinum Preferred Rewards Credit Card have a foreign transaction fee?
APGFCU 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 foreign transaction fees.What is the customer service phone number for APGFCU Visa Platinum Preferred Rewards Credit Card?
The APGFCU Visa Platinum Preferred Rewards Credit Card customer service number is (800) 225-2555.
What is the support contact email for APGFCU Visa Platinum Preferred Rewards Credit Card?
The support contact email for APGFCU Visa Platinum Preferred Rewards Credit Card is info@apgfcu.com.
What is the APGFCU Visa Platinum Preferred Rewards Credit Card login page?
You can access the APGFCU Visa Platinum Preferred Rewards Credit Card login page here.
How do people rate the customer service and user experience of APGFCU Visa Platinum Preferred Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does APGFCU Visa Platinum Preferred Rewards Credit Card report your account activity to credit bureaus?
Yes, APGFCU 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 APGFCU Visa Platinum Preferred Rewards Credit Card
- Visit the APGFCU 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
APGFCU VISA Department
P.O. Box 1176
Aberdeen, MD 21001 USA - (800) 225-2555
- Visit Site
- Email Support
Other Services by APG Federal Credit Union
Availability
- 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
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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