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  Apple FCU Visa Platinum Educator Credit Card
Apple FCU Visa Platinum Educator Credit Card

in Personal Credit Cards from Apple Federal Credit Union

Unaffiliated

Apple FCU Visa Platinum Educator Credit Card

Unaffiliated

in Personal Credit Cards from Apple Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 7.99% - 18%
Balance Transfer APR  (Variable APR) 7.99% - 18%
Credit Score Range N/A
Annual Fee $0

Apple FCU Visa Platinum Educator Credit Card Review

This is a credit card issued by Apple Federal Credit Union. If you're wondering whether Apple FCU Visa Platinum Educator 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 FCU Visa Platinum Educator 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.
  • 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.
  • 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 FCU Visa Platinum Educator Credit Card
The Good The Bad
  • Potentially 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 FCU Visa Platinum Educator 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 FCU Visa Platinum Educator Credit Card FAQ

Does Apple FCU Visa Platinum Educator Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Apple FCU Visa Platinum Educator 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 FCU Visa Platinum Educator 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. This card has lower than average regular APRs.

Apple FCU Visa Platinum Educator Credit Card 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.

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?

Apple FCU Visa Platinum Educator Credit Card Purchase Intro Offer
Description
Introductory Rate 3.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 3.99% on qualified purchases for a period of up to 12 months.

What are the fees for Apple FCU Visa Platinum Educator Credit Card?

The following fees apply:

Apple FCU Visa Platinum Educator 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 FCU Visa Platinum Educator Credit Card have a foreign transaction fee?

Apple FCU Visa Platinum Educator 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.

How do people rate the customer service and user experience of Apple FCU Visa Platinum Educator Credit Card?

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

Does Apple FCU Visa Platinum Educator Credit Card report your account activity to credit bureaus?

Yes, Apple FCU Visa Platinum Educator 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 FCU Visa Platinum Educator Credit Card

  • Visit the Apple FCU Visa Platinum Educator 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.

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.
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
  •   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 FCU Visa Platinum Educator Credit Card

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View all personal credit cards offered by Apple Federal Credit Union
View Apple Federal Credit Union Profile

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

Introductory Rate 3.99%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
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) 7.99% - 18%
Credit Limit Up to $35,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 7.99% - 18%
Balance Transfer APR (Variable APR) 7.99% - 18%
Card Type
  • Low Interest
Card Network Visa

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