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  Beacon Community Credit Union Visa Platinum Credit Card
Beacon Community Credit Union Visa Platinum Credit Card
in Credit Cards from Beacon Community Credit Union
Unaffiliated

Beacon Community Credit Union Visa Platinum Credit Card

Unaffiliated
in Credit Cards from Beacon Community Credit Union
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Highlights
Purchase APR  (Fixed APR) 8.99% - 15.99%
Balance Transfer APR  (Fixed APR) 8.99% - 15.99%
Credit Score Range N/A
Annual Fee $0

Beacon Community Credit Union Visa Platinum Credit Card Review

This is a card issued by Beacon Community Credit Union. If you're wondering whether Beacon Community Credit Union Visa Platinum Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Beacon Community Credit Union Visa Platinum Credit Card has a fixed purchase APR that ranges from 8.99% up to 15.99%.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.

Pros & Cons of Beacon Community Credit Union Visa Platinum Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months. There is then a fixed purchase APR that ranges from 8.99% up to 15.99%.
  • No annual fee.
  • Identity Theft Protection.
  • Beacon Community Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Beacon Community Credit Union Visa Platinum Credit Card FAQ

Does Beacon Community Credit Union Visa Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Beacon Community Credit Union Visa Platinum Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Beacon Community 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.

Beacon Community Credit Union Visa Platinum Credit Card has a fixed purchase APR that ranges from 8.99% up to 15.99%. The card has a fixed balance transfer APR that ranges from 8.99% up to 15.99%. It also has a fixed cash advance APR that ranges from 10.99% up to 17.99%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Beacon Community Credit Union Visa Platinum Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Beacon Community Credit Union Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 8.99% - 15.99%

Does Beacon Community Credit Union Visa Platinum Credit Card have an intro APR offer on new purchases?

Beacon Community Credit Union Visa Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Beacon Community Credit Union Visa Platinum Credit Card?

The following fees apply:

Beacon Community Credit Union Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $28
Late Payment Fee up to $28

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

Does Beacon Community Credit Union Visa Platinum Credit Card have a foreign transaction fee?

Beacon Community Credit Union Visa Platinum Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 customer service phone number for Beacon Community Credit Union Visa Platinum Credit Card?

The Beacon Community Credit Union Visa Platinum Credit Card customer service number is (800) 363-6022.

What is the support contact email for Beacon Community Credit Union Visa Platinum Credit Card?

The support contact email for Beacon Community Credit Union Visa Platinum Credit Card is beaconccu@beaconccu.org.

What is the Beacon Community Credit Union Visa Platinum Credit Card login page?

You can access the Beacon Community Credit Union Visa Platinum Credit Card login page here.

How do people rate the customer service and user experience of Beacon Community Credit Union Visa Platinum Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Beacon Community Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Beacon Community 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 Beacon Community Credit Union Visa Platinum Credit Card

  • Visit the Beacon Community 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.

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.

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Fixed APR) 6 months
Cash Advance Fee (%) Starting at 2%
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $28
Paper Statement Fee $2
Late Fee Amount Up to $28
Customer Type Personal
Minimum Age 18
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 Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 10.99% - 17.99%
APR Type Fixed APR
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 8.99% - 15.99%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 8.99% - 15.99%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa

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