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  Belco Community CU Visa® Platinum Credit Card
Belco Community CU Visa® Platinum Credit Card
in Credit Cards from Belco Community Credit Union
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Belco Community CU Visa® Platinum Credit Card

Unaffiliated
in 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 CU Visa® Platinum Credit Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Competitive APRs. Belco Community CU Visa® Platinum 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 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

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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

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

Belco Community CU Visa® Platinum 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 CU Visa® Platinum Credit Card?

The following fees apply:

Belco Community CU Visa® Platinum 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 CU Visa® Platinum Credit Card?

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

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

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

What is the Belco Community CU Visa® Platinum Credit Card login page?

You can access the Belco Community CU Visa® Platinum Credit Card login page here.

How do people rate the customer service and user experience of Belco Community CU Visa® Platinum Credit Card?

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

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.

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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 CU Visa® Platinum 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
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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