Apple Federal Credit Union Visa Platinum Credit Card Review

This is a credit card issued by Apple Federal Credit Union. If you're wondering whether Apple Federal Credit Union Visa Platinum 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.

• Competitive APRs. Apple Federal Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 7.99% 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase 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. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. Apple Federal Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Does Apple Federal Credit Union Visa Platinum 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 Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• 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 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 7.99% up to 18%. The card has a variable balance transfer APR that ranges from 7.99% up to 18%. It also has a variable cash advance APR that ranges from 7.99% 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 Card?

The following fees apply:

Apple Federal Credit Union Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
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 Card report your account activity to credit bureaus?

Yes, Apple Federal Credit Union Visa Platinum 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 Card

• Visit the Apple Federal Credit Union Visa Platinum 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.