California CU Platinum Visa® Credit Card

California CU Platinum Visa® Credit Card Review

This is a secured credit card card issued by California Credit Union. If you're wondering whether California CU Platinum Visa® Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. California CU Platinum Visa® Credit Card has a variable purchase APR that ranges from 9.9% up to 15.9%.
• 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.
• 2% Balance transfer fee. California CU Platinum Visa® Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
• 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.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of California CU Platinum Visa® Credit Card

California CU Platinum Visa® Credit Card FAQ

Does California CU Platinum Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the California CU Platinum Visa® Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for California CU Platinum Visa® Credit Card?

California CU Platinum Visa® Credit Card has a variable purchase APR that ranges from 9.9% up to 15.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 15.9%.

What are the fees for California CU Platinum Visa® Credit Card?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does California CU Platinum Visa® Credit Card report your account activity to credit bureaus?

Yes, California CU Platinum Visa® 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 California CU Platinum Visa® Credit Card

• Visit the California CU Platinum Visa® 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.