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  Apple Federal Credit Union Visa Platinum Credit Builder Credit Card

Apple Federal Credit Union Visa Platinum Credit Builder Credit Card

in Personal Credit Cards from Apple Federal Credit Union

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Apple Federal Credit Union Visa Platinum Credit Builder Credit Card

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in Personal Credit Cards from Apple Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 15% - 18%
Balance Transfer APR  (Variable APR) 15% - 18%
Credit Score Range N/A
Annual Fee $0

Apple Federal Credit Union Visa Platinum Credit Builder Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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.
Pros & Cons of Apple Federal Credit Union Visa Platinum Credit Builder Credit Card
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.
Apple Federal Credit Union Visa Platinum Credit Builder Credit Card FAQ

Does Apple Federal Credit Union Visa Platinum Credit Builder Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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.

Does Apple Federal Credit Union Visa Platinum Credit Builder Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Apple Federal Credit Union Visa Platinum Credit Builder Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Apple Federal Credit Union Visa Platinum Credit Builder Credit Card have a foreign transaction fee?

Apple Federal Credit Union Visa Platinum Credit Builder 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 Apple Federal Credit Union Visa Platinum Credit Builder Credit Card?

The Apple Federal Credit Union Visa Platinum Credit Builder Credit Card customer service number is (703) 788-4800.

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.

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

  • Headquarters
  •   7696 Richmond Hwy UNIT F, Alexandria, VA 22306, United States
    Alexandria, VA 22306
  • (703) 788-4800
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

About Apple Federal Credit Union Visa Platinum Credit Builder Credit Card

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View all personal credit cards offered by Apple 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

No Annual Fee
Annual Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $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 Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 15% - 18%
Credit Limit $250 - $5,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15% - 18%
Balance Transfer APR (Variable APR) 15% - 18%
Card Type
  • Secured
  • Bad Credit
Card Network Visa

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