Last Updated: 04/18/2025
Circle Federal Credit Union Visa Platinum
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Fixed APR)
7.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
7.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Circle Federal Credit Union Visa Platinum Review
This is a card issued by Circle Federal Credit Union. If you're wondering whether Circle Federal Credit Union Visa Platinum is the right card for you, read on.
Key Takeaways
- APRs: Circle Federal Credit Union Visa Platinum has a fixed purchase APR of 7.99%
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Circle Federal Credit Union Visa Platinum
| The Good | The Bad |
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Circle Federal Credit Union Visa Platinum FAQ
Does Circle Federal Credit Union Visa Platinum have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Circle Federal Credit Union Visa Platinum?
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.Circle Federal Credit Union Visa Platinum has a fixed purchase APR of 7.99%. The card has a fixed balance transfer APR of 7.99% . It also has a fixed cash advance APR of 7.99% .
Does Circle Federal Credit Union Visa Platinum have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Circle Federal Credit Union Visa Platinum 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 Circle Federal Credit Union Visa Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Circle Federal Credit Union Visa Platinum?
The customer service number for Circle Federal Credit Union Visa Platinum is (855) 500-6980.
What is the support contact email for Circle Federal Credit Union Visa Platinum?
The support contact email for Circle Federal Credit Union Visa Platinum is info@circlefcu.org.
How do people rate the customer service and user experience of Circle Federal Credit Union Visa Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Circle Federal Credit Union Visa Platinum report your account activity to credit bureaus?
Yes, Circle Federal Credit Union Visa Platinum 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 Circle Federal Credit Union perform a hard credit pull?
Yes, Circle Federal Credit Union Visa Platinum 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 Circle Federal Credit Union Visa Platinum
- Visit the website of Circle Federal Credit Union Visa Platinum.
- 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.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday10:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturday9:00AM - 12:00PM
Other Services by Circle Federal Credit Union
Other Credit Cards from Circle Federal Credit Union
Rating not yet determined
Purchase APR
9.9% - 12.9%
Disclaimer popup with additional information
Balance Transfer APR
9.9% - 12.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
12.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
N/A
SuperMoney Net Recommendation Score
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