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.

• 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.

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.

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

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.

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 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.