Corning Credit Union Visa Platinum Rewards
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| Purchase APR (Variable APR) |
16.74% - 18% (Verified 02/02/2023) |
| Balance Transfer APR (Variable APR) |
16.74% - 18% (Verified 02/02/2023) |
| Credit Score Range | 600 - 800 |
| Annual Fee | $0 |
Corning Credit Union Visa Platinum Rewards Review
This is a rewards card issued by Corning Credit Union. If you're wondering whether Corning Credit Union Visa Platinum Rewards is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of 5,000 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Corning Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 16.74% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 2% Balance transfer fee. Corning Credit Union Visa Platinum Rewards charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- 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, 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 Corning Credit Union Visa Platinum Rewards
| The Good | The Bad |
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Corning Credit Union Visa Platinum Rewards FAQ
Does Corning Credit Union Visa Platinum Rewards have a cash back or rewards program?
Corning Credit Union Visa Platinum Rewards is a rewards card.
| Minimum rewards rate | Receive 1 point for every dollar charged to your Visa. (1 point equals a penny. 5,000 points equals $50.00.)x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | Up to $5 |
| Signup Bonus (Points/Miles) | 5,000 |
Does Corning Credit Union Visa Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 5,000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Corning Credit Union Visa Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Corning Credit Union Visa Platinum Rewards benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Corning Credit Union Visa Platinum Rewards?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Corning Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 16.74% up to 18%. The card has a variable balance transfer APR that ranges from 16.74% up to 18%. The card has a variable cash advance APR of up to 17.99%.
Does Corning Credit Union Visa Platinum Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 12.49% - 15.49% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 16.74% - 18% |
| Balance Transfer Fee % | 2% |
Does Corning Credit Union Visa Platinum Rewards 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 Corning Credit Union Visa Platinum Rewards?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1.00% |
| Returned Payment Fee | up to $25.00 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Corning Credit Union Visa Platinum Rewards have a foreign transaction fee?
Corning Credit Union Visa Platinum Rewards 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 Corning Credit Union Visa Platinum Rewards?
The Corning Credit Union Visa Platinum Rewards customer service number is (607) 962-3144.
What is the support contact email for Corning Credit Union Visa Platinum Rewards?
The support contact email for Corning Credit Union Visa Platinum Rewards is mailus@corningfcu.org.
What is the Corning Credit Union Visa Platinum Rewards login page?
You can access the Corning Credit Union Visa Platinum Rewards login page here.
How do people rate the customer service and user experience of Corning Credit Union Visa Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Corning Credit Union Visa Platinum Rewards report your account activity to credit bureaus?
Yes, Corning Credit Union Visa Platinum Rewards 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 Corning Credit Union Visa Platinum Rewards
- Visit the Corning Credit Union Visa Platinum Rewards 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.
Contact
- Headquarters
-
One Credit Union Plaza
Corning, NY 14830 USA - (607) 962-3144
- Visit Site
- Email Support
About Corning Credit Union Visa Platinum Rewards
Availability
Feature Breakdown
| Foreign Currency Transaction Fee | 1.00% |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25.00 |
| Paper Statement Fee | $2.50 |
| Additional Card Fee Amount | $10.00 |
| Late Fee Amount | Starting at $25.00 |
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