Last Updated: 07/28/2025
Carolinas Telco FCU Visa Platinum Cash Back Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.70% - 18.00%(Verified 08/13/2024)
Balance Transfer APR (Variable APR)
15.70% - 18.00%(Verified 08/13/2024)
Credit Score Range
Starting at 680
Annual Fee
$0
Carolinas Telco FCU Visa Platinum Cash Back Credit Card Review
This is a cashback credit card issued by Carolinas Telco Federal Credit Union. If you're wondering whether Carolinas Telco FCU Visa Platinum Cash Back Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 9 months, which is shorter than the average 0% APR period of 12 months.
- APRs: Carolinas Telco FCU Visa Platinum Cash Back Credit Card has a variable regular purchase APR that ranges from 15.70% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Carolinas Telco FCU Visa Platinum Cash Back Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Carolinas Telco FCU Visa Platinum Cash Back Credit Card
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Carolinas Telco FCU Visa Platinum Cash Back Credit Card FAQ
Does Carolinas Telco FCU Visa Platinum Cash Back Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Carolinas Telco FCU Visa Platinum Cash Back Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Carolinas Telco FCU Visa Platinum Cash Back Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Carolinas Telco FCU Visa Platinum Cash Back Credit Card benefits?
Carolinas Telco FCU Visa Platinum Cash Back Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Carolinas Telco FCU Visa Platinum Cash Back Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Carolinas Telco FCU Visa Platinum Cash Back Credit Card has a variable purchase APR that ranges from 15.70% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.70% up to 18.00%. It also has a variable cash advance APR that ranges from 15.70% up to 18.00%.
Does Carolinas Telco FCU Visa Platinum Cash Back 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 9 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.70% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 9 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Carolinas Telco FCU Visa Platinum Cash Back Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Carolinas Telco FCU Visa Platinum Cash Back Credit Card?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Carolinas Telco FCU Visa Platinum Cash Back Credit Card?
The customer service number for Carolinas Telco FCU Visa Platinum Cash Back Credit Card is (800) 622-5305.
What is the support contact email for Carolinas Telco FCU Visa Platinum Cash Back Credit Card?
The support contact email for Carolinas Telco FCU Visa Platinum Cash Back Credit Card is support@ctelco.org.
What is the login page for Carolinas Telco FCU Visa Platinum Cash Back Credit Card?
You can access the login page of Carolinas Telco FCU Visa Platinum Cash Back Credit Card here.
How do people rate the customer service and user experience of Carolinas Telco FCU Visa Platinum Cash Back Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Carolinas Telco FCU Visa Platinum Cash Back Credit Card report your account activity to credit bureaus?
Yes, Carolinas Telco FCU Visa Platinum Cash Back Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Carolinas Telco Federal Credit Union perform a hard credit pull?
Yes, Carolinas Telco FCU Visa Platinum Cash Back Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Carolinas Telco FCU Visa Platinum Cash Back Credit Card
- Visit the website of Carolinas Telco FCU Visa Platinum Cash Back Credit Card.
- 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.
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