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  CommonWealth One FCU Visa Platinum Credit Card

CommonWealth One FCU Visa Platinum Credit Card

in Personal Credit Cards from CommonWealth One FCU

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CommonWealth One FCU Visa Platinum Credit Card

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in Personal Credit Cards from CommonWealth One FCU

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Highlights
Purchase APR  (Variable APR) 7.99% - 18%
Balance Transfer APR  (Variable APR) Starting at 4.99%
Credit Score Range 300 - 850
Annual Fee N/A

CommonWealth One FCU Visa Platinum Credit Card Review

CommonWealth One FCU Visa Platinum Credit Card is a secured credit card cashback credit card issued by CommonWealth One FCU. If you're wondering whether CommonWealth One FCU Visa Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. CommonWealth One FCU Visa Platinum Credit Card has a variable purchase APR that ranges from 7.99% up to 18%.
  • 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
CommonWealth One FCU Visa Platinum Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere CommonWealth One FCU Visa Platinum Credit Card is accepted.
  • CommonWealth One FCU Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
CommonWealth One FCU Visa Platinum Credit Card FAQ

Is there a CommonWealth One FCU Visa Platinum Credit Card cash back or rewards program?

CommonWealth One FCU Visa Platinum Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

CommonWealth One FCU Visa Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does CommonWealth One FCU Visa Platinum Credit Card have a signup bonus?

CommonWealth One FCU Visa Platinum Credit Card doesn't offer a cash signup bonus.

Does CommonWealth One FCU Visa Platinum Credit Card offer an annual loyalty bonus?

CommonWealth One FCU Visa Platinum Credit Card doesn't offer a cash loyalty bonus.

What are the CommonWealth One FCU Visa Platinum Credit Card benefits?

CommonWealth One FCU Visa Platinum Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for CommonWealth One FCU Visa Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. CommonWealth One FCU Visa Platinum Credit Card has lower than average purchase APRs.

CommonWealth One FCU Visa Platinum Credit Card has a variable purchase APR that ranges from 7.99% up to 18%. The card has a variable balance transfer APR starting at 4.99% . It also has a variable cash advance APR that ranges from 7.99% up to 18.00%.

Does CommonWealth One FCU Visa Platinum Credit Card have an introductory APR offer on balance transfers?

No, CommonWealth One FCU Visa Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does CommonWealth One FCU Visa Platinum Credit Card have an introductory APR offer on new purchases?

CommonWealth One FCU Visa Platinum Credit Card does not offer an introductory rate on new purchases.

What are the fees for CommonWealth One FCU Visa Platinum Credit Card?

The following fees apply to CommonWealth One FCU Visa Platinum Credit Card:

CommonWealth One FCU Visa Platinum Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does CommonWealth One FCU Visa Platinum Credit Card have a foreign transaction fee?

CommonWealth One 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 a foreign transaction fee.

Does CommonWealth One FCU Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, CommonWealth One 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 CommonWealth One FCU Visa Platinum Credit Card

  • Visit the CommonWealth One 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.

View CommonWealth One FCU Visa Platinum Credit Card's published terms & conditions.
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

  • Headquarters
  •   4875 Eisenhower Avenue, Suite 100
    Alexandria, VA 22304
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 6:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 8:00am - 4:00pm
  • Saturday 9:00am - 2:00pm

About CommonWealth One FCU Visa Platinum Credit Card

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View all personal credit cards offered by CommonWealth One FCU

Availability

  Available in 1 state
Virginia
Availabile in all of Virginia

Feature Breakdown

Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
  • Airfare
Cash Advance APR (Variable APR) 7.99% - 18.00%
Balance Computation We us a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 7.99% - 18%
Balance Transfer Fee % After Intro Period 7.99% - 18%
Balance Transfer APR (Variable APR) Starting at 4.99%
Card Type
  • Rewards
  • Secured
  • Balance Transfer
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

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