
Columbia Credit Union Visa Platinum Credit Card
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Purchase APR (Variable APR) |
10.74% - 18.74% (Verified 11/09/2022) |
Balance Transfer APR (Variable APR) |
10.74% - 18.74% (Verified 11/09/2022) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Columbia Credit Union Visa Platinum Credit Card Review
This is a 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.
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 up to $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 10.74% up to 18.74%.
- 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 |
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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. This card has lower than average regular APRs.Columbia Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 10.74% up to 18.74%. The card has a variable balance transfer APR that ranges from 10.74% up to 18.74%. It also has a variable cash advance APR that ranges from 10.74% up to 18.74%. 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.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 10.74% - 18.74% |
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?
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
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.
What is the support contact email for Columbia Credit Union Visa Platinum Credit Card?
The support contact email for Columbia Credit Union Visa Platinum Credit Card is info@columbiacu.org.
What is the Columbia Credit Union Visa Platinum Credit Card login page?
You can access the Columbia Credit Union Visa Platinum Credit Card login page here.
How do people rate the customer service and user experience of Columbia Credit Union Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
200 SE Park Plaza Dr
Vancouver, WA 98684 USA - (360) 891-4000
- Visit Site
- Email Support
Other Services by Columbia Credit Union
Other Credit Cards by Columbia Credit Union
Availability
- Oregon
- Washington
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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