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  Belco Community Credit Union Visa® Platinum Prime Credit Card

Belco Community Credit Union Visa® Platinum Prime Credit Card

in Personal Credit Cards from Belco Community Credit Union

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Belco Community Credit Union Visa® Platinum Prime Credit Card

Unaffiliated

in Personal Credit Cards from Belco Community Credit Union

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Highlights
Purchase APR  (Variable APR) 8.49%
Balance Transfer APR  (Variable APR) 8.49%
Credit Score Range 600 - 850
Annual Fee $0

Belco Community Credit Union Visa® Platinum Prime Credit Card Review

This is a rewards credit card issued by Belco Community Credit Union. If you're wondering whether Belco Community Credit Union Visa® Platinum Prime 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.

Key Takeaways
  • Competitive APRs. Belco Community Credit Union Visa® Platinum Prime Credit Card has a variable purchase APR of 8.49%
  • 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 Credit Union Visa® Platinum Prime 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!
  • 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 or poor credit.
  • Cardholders can earn rewards on purchases everywhere Belco Community Credit Union Visa® Platinum Prime Credit Card is accepted.
  • Belco Community Credit Union Visa® Platinum Prime Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Belco Community Credit Union Visa® Platinum Prime Credit Card FAQ

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

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

Belco Community Credit Union Visa® Platinum Prime Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Belco Community Credit Union Visa® Platinum Prime Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Belco Community Credit Union Visa® Platinum Prime Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Belco Community Credit Union Visa® Platinum Prime 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. It has lower than average regular APRs.

It has a variable purchase APR of 8.49%. The card has a variable balance transfer APR of 8.49% .

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

Yes, it offers an intro APR rate on balance transfers of 2.49% for a period of up to 12 months.

Belco Community Credit Union Visa® Platinum Prime Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR 2.49%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.49%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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

Belco Community Credit Union Visa® Platinum Prime Credit Card Purchase Intro Offer
Description
Introductory Rate 2.49%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 2.49% on qualified purchases for a period of up to 12 months.

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

The following fees apply:

Belco Community Credit Union Visa® Platinum Prime Credit Card Fees
Fees Amount
Annual Fee $0

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

What is the customer service phone number for Belco Community Credit Union Visa® Platinum Prime Credit Card?

The Belco Community Credit Union Visa® Platinum Prime Credit Card customer service number is (800) 642-4482.

What is the support contact email for Belco Community Credit Union Visa® Platinum Prime Credit Card?

The support contact email for Belco Community Credit Union Visa® Platinum Prime Credit Card is information@belco.org.

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

Yes, Belco Community Credit Union Visa® Platinum Prime 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 Credit Union Visa® Platinum Prime Credit Card

  • Visit the Belco Community Credit Union Visa® Platinum Prime 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

About Belco Community Credit Union Visa® Platinum Prime Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 2.49%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
Credit Limit Up to $20,000
Purchase APR (Variable APR) 8.49%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR (Variable APR) 2.49%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.49%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Bonus Offers
Card Network Visa

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