Apple Federal Credit Union Visa Platinum Credit Builder Credit Card Review

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

• Competitive APRs. Apple Federal Credit Union Visa Platinum Credit Builder Credit Card has a variable purchase APR that ranges from 15% up to 18%.
• 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.
• 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.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. Apple Federal Credit Union Visa Platinum Credit Builder Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a Apple Federal Credit Union Visa Platinum Credit Builder Credit Card cash back or rewards program?

No, Apple Federal Credit Union Visa Platinum Credit Builder Credit Card does not offer a rewards program.

What are the Apple Federal Credit Union Visa Platinum Credit Builder Credit Card benefits?

Apple Federal Credit Union Visa Platinum Credit Builder Credit Card provides the following benefits:

• Emergency Support
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Apple Federal Credit Union Visa Platinum Credit Builder 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. Apple Federal Credit Union Visa Platinum Credit Builder Credit Card has lower than average purchase APRs.

Apple Federal Credit Union Visa Platinum Credit Builder Credit Card has a variable purchase APR that ranges from 15% up to 18%. The card has a variable balance transfer APR that ranges from 15% up to 18%. It also has a variable cash advance APR that ranges from 15% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Apple Federal Credit Union Visa Platinum Credit Builder Credit Card?

The following fees apply to Apple Federal Credit Union Visa Platinum Credit Builder Credit Card:

Apple Federal Credit Union Visa Platinum Credit Builder Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does Apple Federal Credit Union Visa Platinum Credit Builder Credit Card report your account activity to credit bureaus?

Yes, Apple Federal Credit Union Visa Platinum Credit Builder 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 Apple Federal Credit Union Visa Platinum Credit Builder Credit Card

• Visit the Apple Federal Credit Union Visa Platinum Credit Builder 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.