Last Updated: 07/28/2025
Commonwealth Credit Union Visa Platinum Secured
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 7.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 7.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 600
Annual Fee
N/A
Commonwealth Credit Union Visa Platinum Secured Review
This is a travel card issued by CommonWealth Credit Union. If you're wondering whether Commonwealth Credit Union Visa Platinum Secured 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 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 6 months.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 7.99%.
- Accepts cosigners. CommonWealth Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as airline credit, access to a concierge, emergency support, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Commonwealth Credit Union Visa Platinum Secured
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Commonwealth Credit Union Visa Platinum Secured FAQ
Does Commonwealth Credit Union Visa Platinum Secured have a cash back or rewards program?
Commonwealth Credit Union Visa Platinum Secured is a travel rewards card.
| Description |
Does Commonwealth Credit Union Visa Platinum Secured have a signup bonus?
This card doesn't offer a cash signup bonus.Does Commonwealth Credit Union Visa Platinum Secured offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Commonwealth Credit Union Visa Platinum Secured benefits?
Commonwealth Credit Union Visa Platinum Secured provides the following benefits:
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Commonwealth Credit Union Visa Platinum Secured?
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.Commonwealth Credit Union Visa Platinum Secured has a variable purchase APR starting at 7.99%. The card has a variable balance transfer APR starting at 7.99% . It also has a variable cash advance APR starting at 18% .
Does Commonwealth Credit Union Visa Platinum Secured have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 7.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 7.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Commonwealth Credit Union Visa Platinum Secured 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 6 months.
What are the fees for Commonwealth Credit Union Visa Platinum Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25.00. What is the customer service phone number for Commonwealth Credit Union Visa Platinum Secured?
The customer service number for Commonwealth Credit Union Visa Platinum Secured is .
What is the support contact email for Commonwealth Credit Union Visa Platinum Secured?
The support contact email for Commonwealth Credit Union Visa Platinum Secured is info@ccuky.org.
What is the login page for Commonwealth Credit Union Visa Platinum Secured?
You can access the login page of Commonwealth Credit Union Visa Platinum Secured here.
How do people rate the customer service and user experience of Commonwealth Credit Union Visa Platinum Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Commonwealth Credit Union Visa Platinum Secured report your account activity to credit bureaus?
Yes, Commonwealth Credit Union Visa Platinum Secured 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 CommonWealth Credit Union perform a hard credit pull?
Yes, Commonwealth Credit Union Visa Platinum Secured 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 Commonwealth Credit Union Visa Platinum Secured
- Visit the website of Commonwealth Credit Union Visa Platinum Secured.
- 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.
View Commonwealth Credit Union Visa Platinum Secured's published terms & conditions
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed