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  Cornerstone Community Federal Credit Union Visa Platinum

Cornerstone Community Federal Credit Union Visa Platinum

in Personal Credit Cards from Cornerstone Community Federal Credit Union

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Cornerstone Community Federal Credit Union Visa Platinum

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in Personal Credit Cards from Cornerstone Community Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 7.90%
Balance Transfer APR  (Fixed APR) Starting at 8.90%
Credit Score Range 600 - 699
Annual Fee N/A

Cornerstone Community Federal Credit Union Visa Platinum Review

This is a rewards credit card issued by Cornerstone Community Federal Credit Union. If you're wondering whether Cornerstone Community Federal Credit Union Visa Platinum 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
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, 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.
Pros & Cons of Cornerstone Community Federal Credit Union Visa Platinum
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Cornerstone Community Federal Credit Union Visa Platinum is accepted.
  • Cornerstone Community Federal Credit Union Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.00%.
Cornerstone Community Federal Credit Union Visa Platinum FAQ

Does Cornerstone Community Federal Credit Union Visa Platinum have a cash back or rewards program?

Cornerstone Community Federal Credit Union Visa Platinum is a travel rewards card.

Cornerstone Community Federal Credit Union Visa Platinum Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Cornerstone Community Federal Credit Union Visa Platinum have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Cornerstone Community Federal Credit Union Visa Platinum offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Cornerstone Community Federal Credit Union Visa Platinum benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • 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 Cornerstone Community Federal Credit Union Visa Platinum?

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 fixed purchase APR starting at 7.90% . The card has a fixed balance transfer APR starting at 8.90% . The card has a fixed cash advance APR of up to 8.90%.

Note that late payments are subject to an APR of 14.90% 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 Cornerstone Community Federal Credit Union Visa Platinum have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Cornerstone Community Federal Credit Union Visa Platinum have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Cornerstone Community Federal Credit Union Visa Platinum?

The following fees apply:

Cornerstone Community Federal Credit Union Visa Platinum Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.00%
Late Payment Fee up to $25.00

Does Cornerstone Community Federal Credit Union Visa Platinum have a foreign transaction fee?

Cornerstone Community Federal Credit Union Visa Platinum charges a foreign transaction fee of 1.00%. 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 foreign transaction fees.

What is the customer service phone number for Cornerstone Community Federal Credit Union Visa Platinum?

The Cornerstone Community Federal Credit Union Visa Platinum customer service number is (716) 434-2290.

Does Cornerstone Community Federal Credit Union Visa Platinum report your account activity to credit bureaus?

Yes, Cornerstone Community Federal Credit Union 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 Cornerstone Community Federal Credit Union Visa Platinum

  • Visit the Cornerstone Community Federal Credit Union 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.

View Cornerstone Community Federal Credit Union Visa Platinum'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

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 - 6:00pm
  • Saturday Closed

About Cornerstone Community Federal Credit Union Visa Platinum

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View all personal credit cards offered by Cornerstone Community Federal Credit Union

Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

Every Purchase (Points) Free $1,000,000 travel accident insurance on a common carrier fare when you purchase your ticket with your Cornerstone Platinum card
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.00%
Paper Statement Fee $1.00
Late Fee Amount Up to $25.00
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Payroll Check or Prepaid Card
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) Up to 8.90%
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)." See Your Account Agreement for more details.
Credit Limit $10 - $15
Penalty APR (Fixed APR) 14.90%
Purchase APR (Fixed APR) Starting at 7.90%
Balance Transfer APR (Fixed APR) Starting at 8.90%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Travel
  • Bonus Offers
Card Network Visa

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