Credit Union 1 of Illinois Visa Platinum Credit Card

Credit Union 1 of Illinois Visa Platinum Credit Card Review

This is a secured credit card rewards 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.

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 odds if your credit score is above 600.

Pros & Cons of Credit Union 1 of Illinois Visa Platinum Credit Card

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 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

Does Credit Union 1 of Illinois Visa Platinum Credit Card have a cash back or rewards program?

Credit Union 1 of Illinois Visa Platinum Credit Card is a travel rewards card.

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
Signup Bonus ($)	N/A

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

It 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%.

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

The following fees apply:

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 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.