Belco Community CU Visa® Platinum Credit Card

Belco Community CU Visa® Platinum Credit Card Review

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

Key Takeaways

• Competitive APRs. Belco Community CU Visa® Platinum Credit Card has a variable purchase APR that ranges from 11.49% up to 17.74%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 0 day of opening the account. After the introductory period, the fee is 0%.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Belco Community CU Visa® Platinum Credit Card

The Good

The Bad

Eliminate high-rate credit card debt with a new or existing Belco Platinum Prime Visa Card. Right now, qualified members receive 2% CASH BACK on transferred balances up to $15,000!* Transfer $1,000, receive $20. Transfer $5,000, and receive $100. Earn up to $400 just for transferring your balances and possibly lowering your interest rate! Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.49%. No balance transfer fee, if you transfer the balance within 0 day. After the intro period, the fee is 0% with a minimum of $0. No annual fee. Identity Theft Protection. Considers applicants with fair credit. Cardholders can earn rewards on purchases everywhere Belco Community CU Visa® Platinum Credit Card is accepted. Belco Community CU Visa® Platinum Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Does not include many credit card benefits.

Belco Community CU Visa® Platinum Credit Card FAQ

Does Belco Community CU Visa® Platinum Credit Card have a cash back or rewards program?

Belco Community CU Visa® Platinum Credit Card is a rewards card.

Belco Community CU Visa® Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Belco Community CU Visa® Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Belco Community CU 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.

Belco Community CU Visa® Platinum Credit Card has a variable purchase APR that ranges from 11.49% up to 17.74%. The card has a variable balance transfer APR that ranges from 11.49% up to 17.74%. It also has a variable cash advance APR that ranges from 11.49% up to 17.74%.

What are the fees for Belco Community CU Visa® Platinum Credit Card?

The following fees apply:

Belco Community CU Visa® Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $10
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 rewards card.

Does Belco Community CU Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, Belco Community CU 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 Belco Community CU Visa® Platinum Credit Card

• Visit the Belco Community CU 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.