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  Associated Credit Union Visa Platinum Preferred Credit Card

Associated Credit Union Visa Platinum Preferred Credit Card

in Personal Credit Cards from Associated Credit Union

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Associated Credit Union Visa Platinum Preferred Credit Card

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in Personal Credit Cards from Associated Credit Union

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Highlights
Purchase APR  (Fixed APR) 12%
Balance Transfer APR  (Fixed APR) 12%
Credit Score Range 600 - 850
Annual Fee $0

Associated Credit Union Visa Platinum Preferred Credit Card Review

This is a rewards credit card issued by Associated Credit Union. If you're wondering whether Associated Credit Union Visa Platinum Preferred Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Associated Credit Union Visa Platinum Preferred Credit Card has a fixed purchase APR of 12%
  • 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 Credit Union Visa Platinum Preferred 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 Credit Union Visa Platinum Preferred Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Associated Credit Union Visa Platinum Preferred Credit Card is accepted.
  • Associated Credit Union Visa Platinum Preferred 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 Credit Union Visa Platinum Preferred Credit Card FAQ

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

Associated Credit Union Visa Platinum Preferred Credit Card is a rewards card.

Associated Credit Union Visa Platinum Preferred Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Associated Credit Union Visa Platinum Preferred Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Associated Credit Union Visa Platinum Preferred Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Associated Credit Union Visa Platinum Preferred Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Associated Credit Union Visa Platinum Preferred 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. It has lower than average regular APRs.

It has a fixed purchase APR of 12%. The card has a fixed balance transfer APR of 12% . It also has a fixed cash advance APR of 12% . 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.

Does Associated Credit Union Visa Platinum Preferred Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Associated Credit Union Visa Platinum Preferred Credit Card 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 Associated Credit Union Visa Platinum Preferred Credit Card?

The following fees apply:

  • There is no overlimit fee
Associated Credit Union Visa Platinum Preferred 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 Credit Union Visa Platinum Preferred Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Associated Credit Union Visa Platinum Preferred Credit Card?

The Associated Credit Union Visa Platinum Preferred Credit Card customer service number is (770) 448-8200.

What is the support contact email for Associated Credit Union Visa Platinum Preferred Credit Card?

The support contact email for Associated Credit Union Visa Platinum Preferred Credit Card is social@acuonline.org.

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

Yes, Associated Credit Union Visa Platinum Preferred 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 Credit Union Visa Platinum Preferred Credit Card

  • Visit the Associated Credit Union Visa Platinum Preferred 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 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 8:00am - 4:00pm
  • Saturday Closed

About Associated Credit Union Visa Platinum Preferred Credit Card

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View all personal credit cards offered by Associated Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $3
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $3
Minimum Interest Charge $10
Returned Payment Fee Up to $30
Paper Statement Fee $5
Late Fee Amount Up to $35
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 12%
Balance Computation “Average daily balance (including new purchases”).
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) 12%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer APR (Fixed APR) 12%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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