Atlanta Postal Credit Union Visa® Platinum Credit Card
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| Purchase APR (Variable APR) | 9.9% - 16.9% |
| Balance Transfer APR (Variable APR) | 9.9% - 16.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Atlanta Postal Credit Union Visa® Platinum Credit Card Review
This is a cashback credit card issued by Atlanta Postal Credit Union. If you're wondering whether Atlanta Postal Credit Union Visa® Platinum 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. Atlanta Postal Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 9.9% up to 16.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
|---|---|
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Does Atlanta Postal Credit Union Visa® Platinum Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Atlanta Postal Credit Union Visa® Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Atlanta Postal Credit Union Visa® Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Atlanta Postal Credit Union Visa® Platinum Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Atlanta Postal Credit Union 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.Atlanta Postal Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 9.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 16.9%. It also has a variable cash advance APR that ranges from 9.9% up to 16.9%.
Does Atlanta Postal Credit Union Visa® Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Atlanta Postal Credit Union Visa® Platinum 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 Atlanta Postal Credit Union Visa® Platinum Credit Card?
The following fees apply:
- An overlimit fee of $37.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $37 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $32 |
| 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 cashback card.
Does Atlanta Postal Credit Union Visa® Platinum Credit Card have a foreign transaction fee?
Atlanta Postal 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 foreign transaction fees.What is the support contact email for Atlanta Postal Credit Union Visa® Platinum Credit Card?
The support contact email for Atlanta Postal Credit Union Visa® Platinum Credit Card is info@apcu.com.
How do people rate the customer service and user experience of Atlanta Postal Credit Union Visa® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Atlanta Postal Credit Union Visa® Platinum Credit Card report your account activity to credit bureaus?
Yes, Atlanta Postal 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 Atlanta Postal Credit Union Visa® Platinum Credit Card
- Visit the Atlanta Postal 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.
Contact
- Headquarters
-
3900 Crown Rd SE
Atlanta, GA 30304 - Visit Site
- Email Support
About Atlanta Postal Credit Union Visa® Platinum Credit Card
Availability
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee (%) | Starting at 2% |
| Foreign Currency Transaction Fee | 1% |
| Over-Limit Fee | $37 |
| Returned Payment Fee | Up to $32 |
| Paper Statement Fee | $5 |
| Additional Card Fee Amount | $10 |
| Late Fee Amount | Up to $35 |
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