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  Corning Credit Union Visa Platinum Rewards

Corning Credit Union Visa Platinum Rewards

in Personal Credit Cards from Corning Credit Union

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Corning Credit Union Visa Platinum Rewards

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in Personal Credit Cards from Corning Credit Union

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Highlights
Purchase APR  (Variable APR) 12.49% - 15.49%
Balance Transfer APR  (Variable APR) 12.49% - 15.49%
Credit Score Range 600 - 800
Annual Fee N/A

Corning Credit Union Visa Platinum Rewards Review

Corning Credit Union Visa Platinum Rewards is a rewards credit 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. This is everything you need to know to make a good choice.

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 12.49% up to 15.49%.
  • 2% Balance transfer fee. Corning Credit Union Visa Platinum Rewards charges a fee of 2% on balance transfers. After the introductory period, the fee is 15.49%. 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 oods if your credit score is above600.
Corning Credit Union Visa Platinum Rewards Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 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 Corning Credit Union Visa Platinum Rewards is accepted.
  • Corning Credit Union Visa Platinum Rewards reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.00%.
  • Charges a 2% balance transfer fee. After the introductory period, the fee is 15.49% .
Corning Credit Union Visa Platinum Rewards FAQ

Is there a Corning Credit Union Visa Platinum Rewards cash back or rewards program?

Corning Credit Union Visa Platinum Rewards offers a rewards program to its customers.

Corning Credit Union Visa Platinum Rewards Rewards
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?

Corning Credit Union Visa Platinum Rewards 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?

Corning Credit Union Visa Platinum Rewards doesn't offer a cash loyalty bonus.

What are the Corning Credit Union Visa Platinum Rewards benefits?

Corning Credit Union Visa Platinum Rewards provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Cellular Telephone 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Corning Credit Union Visa Platinum Rewards has lower than average purchase APRs.

Corning Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 12.49% up to 15.49%. The card has a variable balance transfer APR that ranges from 12.49% up to 15.49%. The card has a variable cash advance APR of up to 17.99%.

Does Corning Credit Union Visa Platinum Rewards have an introductory APR offer on balance transfers?

Yes, Corning Credit Union Visa Platinum Rewards offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Corning Credit Union Visa Platinum Rewards Balance Transfers
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 12.49% - 15.49%
Balance Transfer Fee % 2%

Does Corning Credit Union Visa Platinum Rewards have an introductory APR offer on new purchases?

Corning Credit Union Visa Platinum Rewards does not offer an introductory rate on new purchases.

What are the fees for Corning Credit Union Visa Platinum Rewards?

The following fees apply to Corning Credit Union Visa Platinum Rewards:

Corning Credit Union Visa Platinum Rewards Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.00%
Returned Payment Fee up to $25.00

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 a foreign transaction fee.

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.

View Corning Credit Union Visa Platinum Rewards'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 9:00am - 4:45pm
  • Tuesday 9:00am - 4:45pm
  • Wednesday 9:00am - 4:45pm
  • Thursday 9:00am - 4:45pm
  • Friday 9:00am - 4:45pm
  • Saturday Closed

About Corning Credit Union Visa Platinum Rewards

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View all personal credit cards offered by Corning Credit Union

Availability

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

Feature Breakdown

Every Purchase (Points) Starting at 1
Every Purchase (Points) Receive 1 point for every dollar charged to your Visa. (1 point equals a penny. 5,000 points equals $50.00.) Receive 5,000 free points just for signing up. Redeem points for any hotel, car rental, airline ticket, bus/train fare, cruise, or vacation package purchased with your CCU Platinum Visa. (Accumulate 10,000 points for first redemption only.)
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.00%
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
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
  • U.S. Temporary Resident Visa Holders
Credit Score Range 600 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Travel
  • Hotels
  • Airfare
Signup Bonus (points) 5
Signup Bonus Up to $5
Cash Advance APR (Variable APR) Up to 17.99%
Balance Computation We use a method called the “average daily balance (including new purchases).”
Purchase APR (Variable APR) 12.49% - 15.49%
Balance Transfer Fee % After Intro Period 12.49% - 15.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.49% - 15.49%
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Visa

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