Last Updated: 07/28/2025
Ardent CU Visa Platinum
Unaffiliated
in Credit Cards from Ardent Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.99% - 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.99% - 17.99%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
Ardent CU Visa Platinum Review
This is a secured credit cashback credit card issued by Ardent Credit Union. If you're wondering whether Ardent CU Visa Platinum is the right card for you, read on.
Key Takeaways
- APRs: Ardent CU Visa Platinum has a variable regular purchase APR that ranges from 12.99% up to 17.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Ardent CU Visa Platinum
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Ardent CU Visa Platinum FAQ
Does Ardent CU Visa Platinum have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Ardent CU Visa Platinum?
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.Ardent CU Visa Platinum has a variable purchase APR that ranges from 12.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 17.99%. It also has a variable cash advance APR that ranges from 12.99% up to 17.99%.
Does Ardent CU Visa Platinum have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Ardent CU Visa Platinum 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 Ardent CU Visa Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Ardent CU Visa Platinum have a foreign transaction fee?
Ardent CU Visa Platinum 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 Ardent CU Visa Platinum?
The customer service number for Ardent CU Visa Platinum is (800) 806-9465.
What is the support contact email for Ardent CU Visa Platinum?
The support contact email for Ardent CU Visa Platinum is mail@ardentcu.org.
What is the login page for Ardent CU Visa Platinum?
You can access the login page of Ardent CU Visa Platinum here.
How do people rate the customer service and user experience of Ardent CU Visa Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Ardent CU Visa Platinum report your account activity to credit bureaus?
Yes, Ardent CU Visa Platinum reports to the following credit bureaus:
- 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 build your credit.
Does Ardent Credit Union perform a hard credit pull?
Yes, Ardent CU Visa Platinum performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Ardent CU Visa Platinum
- Visit the website of Ardent CU Visa Platinum.
- 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.
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Contact
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 7:00PM
Tuesday
8:30AM - 7:00PM
Wednesday
8:30AM - 7:00PM
Thursday
8:30AM - 7:00PM
Friday
8:30AM - 7:00PM
Saturday
9:00AM - 3:00PM