Bellco Credit Union Visa Platinum Credit Card Review

Bellco Credit Union Visa Platinum Credit Card 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 is everything you need to know to make a good choice.

• 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 oods if your credit score is above600.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee, if you transfer the balance within 90 days. After the intro period, the fee is 4% with a minimum of $10. 0% APR on new purchases during the first 6 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Considers applicants with fair or poor credit. Bellco Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a Bellco Credit Union Visa Platinum Credit Card cash back or rewards program?

No, Bellco Credit Union Visa Platinum Credit Card does not offer a rewards program.

What are the Bellco Credit Union Visa Platinum Credit Card benefits?

Bellco Credit Union Visa Platinum Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Bellco Credit Union Visa Platinum Credit Card has lower than average purchase 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.

What are the fees for Bellco Credit Union Visa Platinum Credit Card?

The following fees apply to Bellco Credit Union Visa Platinum Credit Card:

• There is no overlimit fee

Bellco Credit Union Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	$10
Late Payment Fee	$25

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.