Last Updated: 07/28/2025
Apple FCU Visa Platinum Educator Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Apple FCU Visa Platinum Educator Credit Card Review
Key Takeaways
- APRs: Apple FCU Visa Platinum Educator Credit Card has a variable regular purchase APR that ranges from 10.99% 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of Apple FCU Visa Platinum Educator Credit Card
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Apple FCU Visa Platinum Educator Credit Card FAQ
Does Apple FCU Visa Platinum Educator Credit Card have a cash back or rewards program?
| Description |
- 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 FCU Visa Platinum Educator Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Does Apple FCU Visa Platinum Educator 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 FCU Visa Platinum Educator Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 3.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the fees for Apple FCU Visa Platinum Educator Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Apple FCU Visa Platinum Educator Credit Card have a foreign transaction fee?
Apple FCU Visa Platinum Educator Credit Card charges a foreign transaction fee of up to 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 FCU Visa Platinum Educator Credit Card?
What is the support contact email for Apple FCU Visa Platinum Educator Credit Card?
What is the login page for Apple FCU Visa Platinum Educator Credit Card?
How do people rate the customer service and user experience of Apple FCU Visa Platinum Educator Credit Card?
Does Apple FCU Visa Platinum Educator Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Apple Federal Credit Union perform a hard credit pull?
How to apply for Apple FCU Visa Platinum Educator Credit Card
- Visit the website of Apple FCU Visa Platinum Educator Credit Card.
- 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.
Apple FCU Visa Platinum Educator Credit Card Disclosure: Educator Visa® Summer Skip. You may be provided the opportunity, in the months of July, August, and September, to take advantage of Apple Federal Credit Union's Educator VISA Summer Skip program ("Summer Skip"). During the Summer Skip you will be allowed to skip the required minimum payment of any of the given months provided in the program as long as you meet the requirements of the Summer Skip for that month. If you take advantage of the Summer Skip, you acknowledge that you understand and agree: 1) if you skip a payment FINANCE CHARGES will continue to accrue on your account ; 2) skipping even a single payment will result in you paying more toward FINANCE CHARGES on your account over the life of your account; 3) by skipping a payment, it will take longer for you to repay what you owe us; 4) you must resume making the required minimum payment in October or the month immediately following any month in which you fail to meet the terms of the Summer Skip, whichever occurs first; 5) you may make payments at any time during the Summer Skip; and 6) if the account is jointly held, any borrower may participate in the Summer Skip without the consent of the other borrowers. Participation in the Summer Skip is subject to Apple Federal Credit Union approval. Your account must be current and in good standing to participate. We reserve the right to discontinue or alter the terms of the Summer Skip at any time after providing any required notification, as permitted by law.
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