Ardent CU Visa Platinum

Ardent CU Visa Platinum Review

This is a secured credit card cashback 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

• Competitive APRs. Ardent CU Visa Platinum has a variable 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 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, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Ardent CU Visa Platinum

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Ardent CU Visa Platinum reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

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.

What are the Ardent CU Visa Platinum benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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%.

What are the fees for Ardent CU Visa Platinum?

The following fees apply:

Ardent CU Visa Platinum Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	1%
Returned Payment Fee	$
Late Payment Fee	Starting at 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 report your account activity to credit bureaus?

Yes, Ardent CU Visa Platinum 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 Ardent CU Visa Platinum

• Visit the Ardent CU Visa Platinum 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.