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  Credit Union 1 of Illinois Visa Platinum Credit Card

Credit Union 1 of Illinois Visa Platinum Credit Card

in Personal Credit Cards from Credit Union 1 of Illinois

Unaffiliated

Credit Union 1 of Illinois Visa Platinum Credit Card

Unaffiliated

in Personal Credit Cards from Credit Union 1 of Illinois

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Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) 9.8% - 19.8%
Credit Score Range 600 - 699
Annual Fee N/A

Credit Union 1 of Illinois Visa Platinum Credit Card Review

Credit Union 1 of Illinois Visa Platinum Credit Card is a secured credit card rewards credit card issued by Credit Union 1 of Illinois. If you're wondering whether Credit Union 1 of Illinois Visa Platinum Credit Card is the right card for you, read on. This is everything you need to know 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% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Credit Union 1 of Illinois Visa Platinum Credit Card Pros & Cons
The Good The Bad
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Credit Union 1 of Illinois Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Credit Union 1 of Illinois Visa Platinum Credit Card FAQ

Is there a Credit Union 1 of Illinois Visa Platinum Credit Card cash back or rewards program?

Credit Union 1 of Illinois Visa Platinum Credit Card offers a rewards program to its customers.

Credit Union 1 of Illinois Visa Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Credit Union 1 of Illinois Visa Platinum Credit Card have a signup bonus?

Credit Union 1 of Illinois Visa Platinum Credit Card doesn't offer a cash signup bonus.

Does Credit Union 1 of Illinois Visa Platinum Credit Card offer an annual loyalty bonus?

Credit Union 1 of Illinois Visa Platinum Credit Card doesn't offer a cash loyalty bonus.

What are the Credit Union 1 of Illinois Visa Platinum Credit Card benefits?

Credit Union 1 of Illinois Visa Platinum Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Credit Union 1 of Illinois Visa Platinum Credit Card?

The card has a variable balance transfer APR that ranges from 9.8% up to 19.8%. It also has a variable cash advance APR that ranges from 9.8% up to 19.8%.

Does Credit Union 1 of Illinois Visa Platinum Credit Card have an introductory APR offer on balance transfers?

No, Credit Union 1 of Illinois Visa Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does Credit Union 1 of Illinois Visa Platinum Credit Card have an introductory APR offer on new purchases?

Credit Union 1 of Illinois Visa Platinum Credit Card does not offer an introductory rate on new purchases.

What are the fees for Credit Union 1 of Illinois Visa Platinum Credit Card?

The following fees apply to Credit Union 1 of Illinois Visa Platinum Credit Card:

Credit Union 1 of Illinois Visa Platinum Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%

Does Credit Union 1 of Illinois Visa Platinum Credit Card have a foreign transaction fee?

Credit Union 1 of Illinois Visa Platinum Credit Card charges a foreign transaction fee of 1%. 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 Credit Union 1 of Illinois Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Credit Union 1 of Illinois Visa Platinum Credit Card 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 Credit Union 1 of Illinois Visa Platinum Credit Card

  • Visit the Credit Union 1 of Illinois Visa Platinum Credit Card 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.

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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Credit Union 1 of Illinois Visa Platinum Credit Card

Availability

  Available in 1 state
Illinois
Availabile in all of Illinois

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $20
Foreign Currency Transaction Fee 1%
Returned Payment Fee Starting at $25
Late Fee Amount Starting at $25
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 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Assistance
Rewards Categories
  • Travel
  • Groceries
  • Gas
Cash Advance APR (Variable APR) 9.8% - 19.8%
Balance Transfer APR (Variable APR) 9.8% - 19.8%
Card Type
  • Rewards
  • Secured
  • Travel
  • Student
  • Airline
  • Bonus Offers
  • Gas
Card Network Visa

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