Cornerstone Community Federal Credit Union Visa Platinum

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.

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 odds if your credit score is above 600.

Pros & Cons of Cornerstone Community Federal Credit Union Visa Platinum

The Good

The Bad

Potentially 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 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
Signup Bonus ($)	N/A

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. This card has lower than average regular APRs.

Cornerstone Community Federal Credit Union Visa Platinum 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.

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 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.