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UnaffiliatedBank Fund Staff FCU Visa Platinum Credit Card
in Personal Credit Cards from Bank Fund Staff Federal Credit Union
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| Purchase APR (Variable APR) | 8.9% |
| Balance Transfer APR (Variable APR) | 11.9% |
| Credit Score Range | 350 - 600 |
| Annual Fee | $0 |
Bank Fund Staff FCU Visa Platinum Credit Card Review
This is a credit card issued by Bank Fund Staff Federal Credit Union. If you're wondering whether Bank Fund Staff FCU 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. Bank Fund Staff FCU Visa Platinum Credit Card has a variable purchase APR of 8.9%
- 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. After the introductory period, the fee is 0%.
- 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.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
| The Good | The Bad |
|---|---|
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Does Bank Fund Staff FCU Visa Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Bank Fund Staff FCU Visa Platinum Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Bank Fund Staff FCU 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.Bank Fund Staff FCU Visa Platinum Credit Card has a variable purchase APR of 8.9%. The card has a variable balance transfer APR of 11.9% . It also has a variable cash advance APR that ranges from 3.9% up to 11.9%. Note that late payments are subject to an APR of 14.9% 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 Bank Fund Staff FCU Visa Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.9% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 3.9% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11.9% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Bank Fund Staff FCU Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 3.9% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 3.9% on qualified purchases for a period of up to 6 months.
What are the fees for Bank Fund Staff FCU Visa Platinum Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Bank Fund Staff FCU Visa Platinum Credit Card have a foreign transaction fee?
Bank Fund Staff FCU 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 Bank Fund Staff FCU Visa Platinum Credit Card?
The support contact email for Bank Fund Staff FCU Visa Platinum Credit Card is memberservices@bfsfcu.org.
How do people rate the customer service and user experience of Bank Fund Staff FCU Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bank Fund Staff FCU Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Bank Fund Staff 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 Bank Fund Staff FCU Visa Platinum Credit Card
- Visit the Bank Fund Staff FCU 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
-
1818 H Street N.W
Washington DC, DC 20433 - Visit Site
- Email Support
Other Services by Bank Fund Staff Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 3.9% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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