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  APGFCU Visa Platinum Preferred Student Credit Card
APGFCU Visa Platinum Preferred Student Credit Card Unaffiliated

APGFCU Visa Platinum Preferred Student Credit Card

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Highlights
Purchase APR  (Variable APR) 16.24% - 17.99%
Balance Transfer APR  (Variable APR) 11.24% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0

APGFCU Visa Platinum Preferred Student Credit Card Review

This is a credit card issued by APG Federal Credit Union. If you're wondering whether APGFCU Visa Platinum Preferred Student Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

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.
  • Signup bonus. Offers a signup bonus of 30000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. APGFCU Visa Platinum Preferred Student Credit Card has a variable purchase APR that ranges from 16.24% up to 17.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 Student Credit Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No balance transfer fee.
  • 0% APR on new purchases .
  • No annual fee.
  • APGFCU Visa Platinum Preferred Student Credit 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 benefits.

APGFCU Visa Platinum Preferred Student Credit Card FAQ

Does APGFCU Visa Platinum Preferred Student Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the APGFCU Visa Platinum Preferred Student 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 Student 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.

APGFCU Visa Platinum Preferred Student Credit Card has a variable purchase APR that ranges from 16.24% 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 Student 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.

APGFCU Visa Platinum Preferred Student Credit Card Balance Transfers
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 Student Credit Card have an intro APR offer on new purchases?

APGFCU Visa Platinum Preferred Student Credit Card Purchase Intro Offer
Description
Introductory Rate 0%

This card does offer an intro APR rate of 0% on qualified purchases

What are the fees for APGFCU Visa Platinum Preferred Student Credit Card?

The following fees apply:

APGFCU Visa Platinum Preferred Student Credit Card Fees
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 card.

Does APGFCU Visa Platinum Preferred Student Credit Card have a foreign transaction fee?

APGFCU Visa Platinum Preferred Student 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 Student Credit Card?

The APGFCU Visa Platinum Preferred Student Credit Card customer service number is (800) 225-2555.

What is the support contact email for APGFCU Visa Platinum Preferred Student Credit Card?

The support contact email for APGFCU Visa Platinum Preferred Student Credit Card is info@apgfcu.com.

What is the APGFCU Visa Platinum Preferred Student Credit Card login page?

You can access the APGFCU Visa Platinum Preferred Student Credit Card login page here.

How do people rate the customer service and user experience of APGFCU Visa Platinum Preferred Student Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does APGFCU Visa Platinum Preferred Student Credit Card report your account activity to credit bureaus?

Yes, APGFCU Visa Platinum Preferred Student 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 Student Credit Card

  • Visit the APGFCU Visa Platinum Preferred Student 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.

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Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday 9:00am - 12:00pm

Other Services by APG Federal Credit Union

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View all credit cards offered by APG Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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%
Cash Advance Fee Minimum $2
Minimum Cash Advance Fee ($) $2
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $20
Late Fee Amount $25
Customer Type Student
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
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
Rewards Categories
  • 2x Points on Gas
  • 2x Points on Groceries
  • 3x Points on Restaurants
  • 1x Point on Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 11.24% - 17.99%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $1,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 16.24% - 17.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 11.24% - 17.99%
Balance Transfer Fee % 0%
Card Type Student
Card Network Visa

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