Last Updated: 07/28/2025
Belco Community CU Visa® Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.49% - 17.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.49% - 17.74%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
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
- APRs: Belco Community CU Visa® Platinum Credit Card has a variable regular 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%.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Belco Community CU Visa® Platinum Credit Card
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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.
| Description |
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?
Belco Community CU Visa® Platinum Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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%.
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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.49% - 17.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 0 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Belco Community CU Visa® Platinum Credit Card have an intro APR offer on new purchases?
| 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 12 months.
What are the fees for Belco Community CU Visa® Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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.
What is the customer service phone number for Belco Community CU Visa® Platinum Credit Card?
The customer service number for Belco Community CU Visa® Platinum Credit Card 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 login page for Belco Community CU Visa® Platinum Credit Card?
You can access the login page of Belco Community CU Visa® Platinum Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does Belco Community Credit Union perform a hard credit pull?
Yes, Belco Community CU Visa® Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Belco Community CU Visa® Platinum Credit Card
- Visit the website of Belco Community CU Visa® Platinum Credit Card.
- 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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Closed
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9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
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Thursday
9:00AM - 5:00PM
Friday
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Saturday
9:00AM - 12:00PM