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  APG Federal Credit Union Visa Platinum Preferred Share Secured Card

APG Federal Credit Union Visa Platinum Preferred Share Secured Card

in Personal Credit Cards from APG Federal Credit Union

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APG Federal Credit Union Visa Platinum Preferred Share Secured 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) Starting at 5.35%
Balance Transfer APR  (Variable APR) Starting at 5.35%
Credit Score Range 500 - 850
Rewards Rates 1% on Every Purchase

APG Federal Credit Union Visa Platinum Preferred Share Secured Card Review

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

Key Takeaways

  • Up to 1% on every day purchases. This is what most credit cards offer in rewards on every day purchases.
  • Signup bonus. Offers a signup bonus of 2500 that can be redeemed for travel, gifts, or other perks.
  • 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.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Earn rewards on every purchase.
  • APG Federal Credit Union Visa Platinum Preferred Share Secured Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card rewards.

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

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

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

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

APG Federal Credit Union Visa Platinum Preferred Share Secured Card has a variable purchase APR starting at 5.35% . The card has a variable balance transfer APR starting at 5.35% . It also has a variable cash advance APR starting at 5.35% . 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 Share Secured Card have an introductory APR offer?

No, APG Federal Credit Union Visa Platinum Preferred Share Secured Card does not come with an introductory APR offer for balance transfers. APG Federal Credit Union Visa Platinum Preferred Share Secured Card does not offer an introductory rate on new purchases.
APG Federal Credit Union Visa Platinum Preferred Share Secured Card Balance Transfers
Description
Balance Transfer APR Starting at 5.35%
Introductory Rate N/A
Intro APR period (months) N/A
APG Federal Credit Union Visa Platinum Preferred Share Secured Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR Starting at 5.35%
Credit Limit N/A
Penalty APR 18%
Cash Advance APR Starting at 5.35%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

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

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

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

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

APG Federal Credit Union Visa Platinum Preferred Share Secured 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 Share Secured Card

  • Visit the APG Federal Credit Union Visa Platinum Preferred Share Secured 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
  • Unemployed
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
  • Secured
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
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) Starting at 5.35%
Purchase APR (Variable APR) Starting at 5.35%
Balance Computation average daily balance (including new purchases)
Penalty APR 18%
Balance Transfer APR (Variable APR) Starting at 5.35%

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