Community Choice Credit Union of Iowa Visa Platinum Review

Community Choice Credit Union of Iowa Visa Platinum is a cashback credit card issued by Community Choice Credit Union of Iowa. If you're wondering whether Community Choice Credit Union of Iowa Visa Platinum is the right card for you, read on. This is everything you need to know to make a good choice.

• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 10.25%. No balance transfer fee. Multiple credit card perks. Access to a concierge. 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 Community Choice Credit Union of Iowa Visa Platinum is accepted. Community Choice Credit Union of Iowa Visa Platinum reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

Is there a Community Choice Credit Union of Iowa Visa Platinum cash back or rewards program?

Community Choice Credit Union of Iowa Visa Platinum is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Community Choice Credit Union of Iowa Visa Platinum Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Community Choice Credit Union of Iowa Visa Platinum benefits?

Community Choice Credit Union of Iowa Visa Platinum provides the following benefits:

• Emergency Support
• Trip Cancellation Insurance
• Price Protection
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Community Choice Credit Union of Iowa Visa Platinum?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Community Choice Credit Union of Iowa Visa Platinum has lower than average purchase APRs.

Community Choice Credit Union of Iowa Visa Platinum has a variable purchase APR starting at 10.25% . It also has a variable cash advance APR starting at 10.25% .

What are the fees for Community Choice Credit Union of Iowa Visa Platinum?

The following fees apply to Community Choice Credit Union of Iowa Visa Platinum:

Community Choice Credit Union of Iowa Visa Platinum Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1%
Returned Payment Fee	up to $27.00
Late Payment Fee	up to $15

Does Community Choice Credit Union of Iowa Visa Platinum report your account activity to credit bureaus?

Yes, Community Choice Credit Union of Iowa Visa Platinum 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 Community Choice Credit Union of Iowa Visa Platinum

• Visit the Community Choice Credit Union of Iowa Visa Platinum 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.