Last Updated: 07/28/2025
Credit Union 1 of Illinois Visa Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
N/A
Balance Transfer APR (Variable APR)
9.8% - 19.8%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 699
Annual Fee
N/A
Credit Union 1 of Illinois Visa Platinum Credit Card Review
This is a secured credit travel 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 up to 1% every time you make a transaction outside the U.S.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Credit Union 1 of Illinois Visa Platinum Credit Card
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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.
| Description |
Does Credit Union 1 of Illinois Visa Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Credit Union 1 of Illinois Visa Platinum Credit Card offer an annual loyalty bonus?
This 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Credit Union 1 of Illinois Visa Platinum Credit Card 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 Credit Union 1 of Illinois Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25. 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 up to 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 foreign transaction fees.What is the customer service phone number for Credit Union 1 of Illinois Visa Platinum Credit Card?
The customer service number for Credit Union 1 of Illinois Visa Platinum Credit Card is (800) 252-6950.
What is the support contact email for Credit Union 1 of Illinois Visa Platinum Credit Card?
The support contact email for Credit Union 1 of Illinois Visa Platinum Credit Card is cu1info@creditunion1.org.
What is the login page for Credit Union 1 of Illinois Visa Platinum Credit Card?
You can access the login page of Credit Union 1 of Illinois Visa Platinum Credit Card here.
How do people rate the customer service and user experience of Credit Union 1 of Illinois Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 to the following credit bureaus:
- 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 build your credit.
Does Credit Union 1 of Illinois perform a hard credit pull?
Yes, Credit Union 1 of Illinois Visa Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit Union 1 of Illinois Visa Platinum Credit Card
- Visit the website of Credit Union 1 of Illinois Visa Platinum Credit Card.
- 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.
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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