Bellco Credit Union Visa Platinum Credit Card
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| Purchase APR (Variable APR) | 9.5% - 21% |
| Balance Transfer APR (Variable APR) | 21% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Bellco Credit Union Visa Platinum Credit Card Review
This is a credit card issued by Bellco Credit Union. If you're wondering whether Bellco Credit Union 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
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Competitive APRs. Bellco Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 9.5% up to 21%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 90 days of opening the account. After the introductory period, the fee is 4%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Bellco Credit Union Visa Platinum Credit Card
| The Good | The Bad |
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Bellco Credit Union Visa Platinum Credit Card FAQ
Does Bellco Credit Union Visa Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Bellco Credit Union Visa Platinum Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Bellco Credit Union 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.Bellco Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 9.5% up to 21%. The card has a variable balance transfer APR of 21% . It also has a variable cash advance APR of 21% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Bellco Credit Union Visa Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 4% |
| Balance Transfer Fee Intro Period | 90 days |
| Balance Transfer Introductory APR | 1.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 21% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 0% |
Does Bellco Credit Union Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Bellco Credit Union Visa Platinum Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $10 |
| Late Payment Fee | $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Bellco Credit Union Visa Platinum Credit Card have a foreign transaction fee?
Bellco Credit Union Visa Platinum Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Bellco Credit Union Visa Platinum Credit Card?
The Bellco Credit Union Visa Platinum Credit Card customer service number is (800) 235-5261.
What is the support contact email for Bellco Credit Union Visa Platinum Credit Card?
The support contact email for Bellco Credit Union Visa Platinum Credit Card is memberservice@bellco.org.
What is the Bellco Credit Union Visa Platinum Credit Card login page?
You can access the Bellco Credit Union Visa Platinum Credit Card login page here.
How do people rate the customer service and user experience of Bellco Credit Union Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bellco Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Bellco Credit Union 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 Bellco Credit Union Visa Platinum Credit Card
- Visit the Bellco Credit Union 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.
Contact
- Headquarters
-
P.O. Box 6611
Greenwood Village, CO 80155 USA - (800) 235-5261
- Visit Site
- Email Support
About Bellco Credit Union Visa Platinum Credit Card
Availability
- 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 | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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