CAP COM Federal Credit Union Visa Platinum Card

CAP COM Federal Credit Union Visa Platinum Card Review

This is a rewards credit card issued by CAP COM Federal Credit Union. If you're wondering whether CAP COM Federal Credit Union Visa Platinum Card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 5000 points after spending $1,500 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. CAP COM Federal Credit Union Visa Platinum Card has a fixed purchase APR of 9.9%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, 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 CAP COM Federal Credit Union Visa Platinum Card

The Good

The Bad

Bonus: Get 5,000 points on $1,500 card purchases in first 90 days ($50 value). Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere CAP COM Federal Credit Union Visa Platinum Card is accepted. CAP COM Federal Credit Union Visa Platinum Card reports to multiple credit bureaus.

CAP COM Federal Credit Union Visa Platinum Card FAQ

Does CAP COM Federal Credit Union Visa Platinum Card have a cash back or rewards program?

CAP COM Federal Credit Union Visa Platinum Card is a rewards card.

CAP COM Federal Credit Union Visa Platinum Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	5000
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the CAP COM Federal Credit Union Visa Platinum Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Cell Phone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for CAP COM Federal Credit Union Visa Platinum 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.

CAP COM Federal Credit Union Visa Platinum Card has a fixed purchase APR of 9.9%. The card has a fixed balance transfer APR of 9.9% . It also has a fixed cash advance APR of 9.9% .

What are the fees for CAP COM Federal Credit Union Visa Platinum Card?

The following fees apply:

CAP COM Federal Credit Union Visa Platinum Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $10
Late Payment Fee	up to $25

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

Does CAP COM Federal Credit Union Visa Platinum Card report your account activity to credit bureaus?

Yes, CAP COM Federal Credit Union Visa Platinum 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 CAP COM Federal Credit Union Visa Platinum Card

• Visit the CAP COM Federal Credit Union Visa Platinum 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.