Associated CU Visa Platinum Credit Card

Associated CU Visa Platinum Credit Card Review

This is a rewards credit card issued by Associated Credit Union. If you're wondering whether Associated CU Visa Platinum Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Associated CU Visa Platinum Credit Card has a fixed purchase APR of 14%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Associated CU Visa Platinum Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Associated CU Visa Platinum Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. Associated CU Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Associated CU Visa Platinum Credit Card FAQ

Does Associated CU Visa Platinum Credit Card have a cash back or rewards program?

Associated CU Visa Platinum Credit Card is a rewards card.

Associated CU Visa Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Associated CU Visa Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Associated CU Visa Platinum 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.

Associated CU Visa Platinum Credit Card has a fixed purchase APR of 14%. The card has a fixed balance transfer APR of 14% . It also has a fixed cash advance APR of 14% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Associated CU Visa Platinum Credit Card?

The following fees apply:

• There is no overlimit fee

Associated CU Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $30
Late Payment Fee	up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Associated CU Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Associated CU 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 Associated CU Visa Platinum Credit Card

• Visit the Associated CU 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.