California Credit Union Platinum Visa® Credit Card Review

California Credit Union Platinum Visa® Credit Card is a credit card issued by California Credit Union. If you're wondering whether California Credit Union Platinum Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 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 Credit Union 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 Credit Union 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.
• 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. 0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. California Credit Union Platinum Visa® 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. Charges a 2% balance transfer fee. Does not include many credit card benefits.

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

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

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

California Credit Union Platinum Visa® Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for California Credit Union Platinum Visa® 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. California Credit Union Platinum Visa® Credit Card has lower than average purchase APRs.

California Credit Union 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 Credit Union Platinum Visa® Credit Card?

The following fees apply to California Credit Union Platinum Visa® Credit Card:

California Credit Union Platinum Visa® Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%

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

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

• Visit the California Credit Union 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.