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  California Credit Union Platinum Visa® Credit Card
California Credit Union Platinum Visa® Credit Card
in Personal Credit Cards from California Credit Union
Unaffiliated

California Credit Union Platinum Visa® Credit Card

Unaffiliated
in Personal Credit Cards from California Credit Union
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Highlights
Purchase APR  (Variable APR) 9.9% - 15.9%
Balance Transfer APR  (Variable APR) 9.9% - 15.9%
Credit Score Range 600 - 850
Annual Fee $0

California Credit Union Platinum Visa® Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

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 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 odds if your credit score is above 600.
Pros & Cons of California Credit Union Platinum Visa® Credit Card
The Good The Bad
  • Potentially 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.
California Credit Union Platinum Visa® Credit Card FAQ

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

No, it does not offer a rewards program.

What are the California Credit Union 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 Credit Union Platinum Visa® 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.

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%.

Does California Credit Union Platinum Visa® Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

California Credit Union Platinum Visa® Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.9% - 15.9%
Balance Transfer Fee % 2%

Does California Credit Union Platinum Visa® Credit Card have an intro APR offer on new purchases?

California Credit Union Platinum Visa® Credit Card Purchase Intro Offer
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 California Credit Union Platinum Visa® Credit Card?

The following fees apply:

California Credit Union Platinum Visa® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%

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

Does California Credit Union Platinum Visa® Credit Card have a foreign transaction fee?

California Credit Union Platinum Visa® 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 support contact email for California Credit Union Platinum Visa® Credit Card?

The support contact email for California Credit Union Platinum Visa® Credit Card is askme@californiacu.org.

How do people rate the customer service and user experience of California Credit Union Platinum Visa® Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • 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
No Annual Fee
Annual Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Purchase APR (Variable APR) 9.9% - 15.9%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.9% - 15.9%
Balance Transfer Fee % 2%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.