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  Columbia Credit Union Visa Platinum Credit Card

Columbia Credit Union Visa Platinum Credit Card

in Personal Credit Cards from Columbia Credit Union

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Columbia Credit Union Visa Platinum Credit Card

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in Personal Credit Cards from Columbia Credit Union

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Highlights
Purchase APR  (Variable APR) 7.74% - 15.74%
Balance Transfer APR  (Variable APR) 7.74% - 15.74%
Credit Score Range 600 - 850
Annual Fee $0

Columbia Credit Union Visa Platinum Credit Card Review

This is a credit card issued by Columbia Credit Union. If you're wondering whether Columbia Credit Union Visa Platinum 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.
  • Signup bonus. Offers a signup bonus of $100 if you spend $1500 within 3 months.
  • Competitive APRs. Columbia Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 7.74% up to 15.74%.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Columbia Credit Union Visa Platinum Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Columbia Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Columbia Credit Union Visa Platinum Credit Card FAQ

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

No, it does not offer a rewards program.

What are the Columbia Credit Union Visa Platinum Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Columbia Credit Union 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.74% up to 15.74%. The card has a variable balance transfer APR that ranges from 7.74% up to 15.74%. It also has a variable cash advance APR that ranges from 7.74% up to 15.74%. Note that late payments are subject to an APR of 22.74% 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 Columbia Credit Union 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 6 months.

Columbia Credit Union Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 7.74% - 15.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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

Columbia Credit Union Visa Platinum 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 Columbia Credit Union Visa Platinum Credit Card?

The following fees apply:

  • There is no overlimit fee
Columbia Credit Union Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
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 card.

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

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Columbia Credit Union Visa Platinum Credit Card?

The Columbia Credit Union Visa Platinum Credit Card customer service number is (360) 891-4000.

Does Columbia Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Columbia Credit Union 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 Columbia Credit Union Visa Platinum Credit Card

  • Visit the Columbia Credit Union 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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Columbia Credit Union

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Availability

  Available in 2 states
  • Oregon
  • Washington

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Signup Bonus $100
Rewards Type No Rewards
Cash Advance APR (Variable APR) 7.74% - 15.74%
Balance Computation average daily balance (including new purchases)
Credit Limit Starting at $1,000
Penalty APR (Variable APR) 22.74%
Purchase APR (Variable APR) 7.74% - 15.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 7.74% - 15.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
Card Network Visa

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