Ascend Federal Credit Union Visa® Platinum Credit Card Review

Ascend Federal Credit Union Visa® Platinum Credit Card is a credit card issued by Ascend Federal Credit Union. If you're wondering whether Ascend Federal Credit Union Visa® Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Ascend Federal Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 9.5% 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 rental insurance, access to a concierge, identity theft protection, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

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. Identity Theft Protection. Travel accident insurance. Considers applicants with fair or poor credit. Ascend 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. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a Ascend Federal Credit Union Visa® Platinum Credit Card cash back or rewards program?

No, Ascend Federal Credit Union Visa® Platinum Credit Card does not offer a rewards program.

What are the Ascend Federal Credit Union Visa® Platinum Credit Card benefits?

Ascend Federal Credit Union Visa® Platinum Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Ascend Federal Credit Union Visa® Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Ascend Federal Credit Union Visa® Platinum Credit Card has lower than average purchase APRs.

Ascend Federal Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 9.5% up to 18%. The card has a variable balance transfer APR that ranges from 9.5% up to 18%. It also has a variable cash advance APR that ranges from 9.5% 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 Ascend Federal Credit Union Visa® Platinum Credit Card?

The following fees apply to Ascend Federal Credit Union Visa® Platinum Credit Card:

Ascend Federal Credit Union Visa® Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $20
Late Payment Fee	up to $25

Does Ascend Federal Credit Union Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, Ascend 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 Ascend Federal Credit Union Visa® Platinum Credit Card

• Visit the Ascend 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.