Belco Community Credit Union Visa® Platinum Prime Review

Belco Community Credit Union Visa® Platinum Prime is a rewards credit card issued by Belco Community Credit Union. If you're wondering whether Belco Community Credit Union Visa® Platinum Prime is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Belco Community Credit Union Visa® Platinum Prime 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 stand a chance of qualifying if your credit score is not below 600.

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 is accepted. Belco Community Credit Union Visa® Platinum Prime reports to multiple credit bureaus.

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

Is there a Belco Community Credit Union Visa® Platinum Prime cash back or rewards program?

Belco Community Credit Union Visa® Platinum Prime offers a rewards program to its customers.

Belco Community Credit Union Visa® Platinum Prime Rewards

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

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

Belco Community Credit Union Visa® Platinum Prime 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?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Belco Community Credit Union Visa® Platinum Prime has lower than average purchase APRs.

Belco Community Credit Union Visa® Platinum Prime has a variable purchase APR of 8.49%. The card has a variable balance transfer APR of 8.49% .

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

The following fees apply to Belco Community Credit Union Visa® Platinum Prime:

Belco Community Credit Union Visa® Platinum Prime Fees

Fees	Amount
Annual Fee	$0

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

Yes, Belco Community Credit Union Visa® Platinum Prime 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

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