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  Charlotte Metro FCU Visa Platinum Credit Card
Charlotte Metro FCU Visa Platinum Credit Card
in Credit Cards from Charlotte Metro Credit Union
Unaffiliated

Charlotte Metro FCU Visa Platinum Credit Card

Unaffiliated
in Credit Cards from Charlotte Metro Credit Union
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Highlights
Purchase APR  (Variable APR) 14.95%
Balance Transfer APR  (Variable APR) 9.65% - 12.95%
Credit Score Range 600 - 850
Annual Fee $0

Charlotte Metro FCU Visa Platinum Credit Card Review

This is a rewards credit card issued by Charlotte Metro Credit Union. If you're wondering whether Charlotte Metro FCU Visa Platinum 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 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Charlotte Metro FCU Visa Platinum Credit Card has a variable purchase APR of 14.95%
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Charlotte Metro FCU Visa Platinum Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR of 14.95%.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Charlotte Metro FCU Visa Platinum Credit Card is accepted.
  • Charlotte Metro FCU Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Charlotte Metro FCU Visa Platinum Credit Card FAQ

Does Charlotte Metro FCU Visa Platinum Credit Card have a cash back or rewards program?

Charlotte Metro FCU Visa Platinum Credit Card is a rewards card.

Charlotte Metro FCU Visa Platinum Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Charlotte Metro FCU Visa Platinum Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Charlotte Metro FCU Visa Platinum Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Charlotte Metro FCU Visa Platinum Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Charlotte Metro FCU Visa Platinum 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.

Charlotte Metro FCU Visa Platinum Credit Card has a variable purchase APR of 14.95%. The card has a variable balance transfer APR that ranges from 9.65% up to 12.95%. It also has a variable cash advance APR that ranges from 9.65% up to 12.95%. Note that late payments are subject to an APR of 17.95% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Charlotte Metro FCU Visa Platinum 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 12 months.

Charlotte Metro FCU Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.65% - 12.95%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Charlotte Metro FCU Visa Platinum Credit Card have an intro APR offer on new purchases?

Charlotte Metro FCU Visa Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Charlotte Metro FCU Visa Platinum Credit Card?

The following fees apply:

Charlotte Metro FCU Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
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 Charlotte Metro FCU Visa Platinum Credit Card have a foreign transaction fee?

Charlotte Metro FCU Visa Platinum 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 customer service phone number for Charlotte Metro FCU Visa Platinum Credit Card?

The Charlotte Metro FCU Visa Platinum Credit Card customer service number is (704) 375-0183.

What is the support contact email for Charlotte Metro FCU Visa Platinum Credit Card?

The support contact email for Charlotte Metro FCU Visa Platinum Credit Card is info@cmcu.org.

What is the Charlotte Metro FCU Visa Platinum Credit Card login page?

You can access the Charlotte Metro FCU Visa Platinum Credit Card login page here.

How do people rate the customer service and user experience of Charlotte Metro FCU Visa Platinum Credit Card?

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

Does Charlotte Metro FCU Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Charlotte Metro FCU Visa Platinum 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 Charlotte Metro FCU Visa Platinum Credit Card

  • Visit the Charlotte Metro FCU Visa Platinum 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 - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Charlotte Metro Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 28 days
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Categories
  • Travel
  • Every Purchase
Cash Advance APR (Variable APR) 9.65% - 12.95%
APR Type Variable APR
Balance Computation "Average daily balance (including new purchases)."
Penalty APR (Variable APR) 17.95%
Purchase APR (Variable APR) 14.95%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.65% - 12.95%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
  • Zero Percent
Card Network Visa

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