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  Ascend Federal Credit Union Visa® Platinum Credit Card

Ascend Federal Credit Union Visa® Platinum Credit Card

in Personal Credit Cards from Ascend Federal Credit Union

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Ascend Federal Credit Union Visa® Platinum Credit Card

Unaffiliated

in Personal Credit Cards from Ascend Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.5% - 18%
Balance Transfer APR  (Variable APR) 9.5% - 18%
Credit Score Range 600 - 850
Annual Fee $0

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.

Key Takeaways
  • 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.
Ascend Federal Credit Union Visa® Platinum Credit Card Pros & Cons
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.
Ascend Federal Credit Union Visa® Platinum Credit Card FAQ

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.

Does Ascend Federal Credit Union Visa® Platinum Credit Card have an introductory APR offer on balance transfers?

No, Ascend Federal Credit Union Visa® Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does Ascend Federal Credit Union Visa® Platinum Credit Card have an introductory APR offer on new purchases?

Ascend Federal Credit Union Visa® Platinum Credit Card does not offer an introductory rate on new purchases.

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 have a foreign transaction fee?

Ascend Federal Credit Union Visa® Platinum 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 a foreign transaction fee.

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.

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

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 Closed

About Ascend Federal Credit Union Visa® Platinum Credit Card

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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

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $20
Paper Statement Fee $10
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 Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.5% - 18%
Balance Computation "Average daily balance (including new purchases)."
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.5% - 18%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) 9.5% - 18%
Balance Transfer Fee Minimum $0
Card Type
  • Low Interest
  • Bonus Offers
Card Network Visa

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