Atlantic FCU Visa Platinum Credit Card

Atlantic FCU Visa Platinum Credit Card Review

This is a card issued by Atlantic Federal Credit Union. If you're wondering whether Atlantic FCU Visa Platinum is the right card for you, read on.

Key Takeaways

• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, purchase security, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Atlantic FCU Visa Platinum

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.49%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Identity Theft Protection. Travel assistance insurance Considers applicants with fair credit. Atlantic FCU Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Atlantic FCU Visa Platinum FAQ

Does Atlantic FCU Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Atlantic FCU Visa Platinum benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Atlantic FCU Visa Platinum?

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.

Atlantic FCU Visa Platinum Credit Card has a fixed purchase APR starting at 11.49% . The card has a fixed balance transfer APR starting at 11.49% . It also has a fixed cash advance APR starting at 11.49% .

What are the fees for Atlantic FCU Visa Platinum?

The following fees apply:

Atlantic FCU Visa Platinum Credit Card Fees

Description
No Annual Fee?
Annual Fee	$0

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

Does Atlantic FCU Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Atlantic FCU 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 Atlantic FCU Visa Platinum

• Visit the Atlantic FCU Visa Platinum 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.