Credit Union of Southern California Platinum Rewards Visa Review

Credit Union of Southern California Platinum Rewards Visa is a rewards credit card issued by Credit Union of Southern California. If you're wondering whether Credit Union of Southern California Platinum Rewards Visa is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Credit Union of Southern California Platinum Rewards Visa has a variable purchase APR that ranges from 8.90% up to 15.90%.
• 2.00% Balance transfer fee. Credit Union of Southern California Platinum Rewards Visa charges a fee of 2.00% 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% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
Lower than average purchase APRs. Travel accident and travel assistance insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Credit Union of Southern California Platinum Rewards Visa 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. Charges a 2.00% balance transfer fee.

Is there a Credit Union of Southern California Platinum Rewards Visa cash back or rewards program?

Credit Union of Southern California Platinum Rewards Visa offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Credit Union of Southern California Platinum Rewards Visa Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Credit Union of Southern California Platinum Rewards Visa benefits?

Credit Union of Southern California Platinum Rewards Visa provides the following benefits:

• Emergency Support
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Credit Union of Southern California Platinum Rewards Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Credit Union of Southern California Platinum Rewards Visa has lower than average purchase APRs.

Credit Union of Southern California Platinum Rewards Visa has a variable purchase APR that ranges from 8.90% up to 15.90%. The card has a variable balance transfer APR that ranges from 8.90% up to 15.90%. It also has a variable cash advance APR that ranges from 8.90% up to 15.90%. Note that late payments are subject to an APR of 19.90% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Credit Union of Southern California Platinum Rewards Visa?

The following fees apply to Credit Union of Southern California Platinum Rewards Visa:

Credit Union of Southern California Platinum Rewards Visa Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1%
Late Payment Fee	up to $10

Does Credit Union of Southern California Platinum Rewards Visa report your account activity to credit bureaus?

Yes, Credit Union of Southern California Platinum Rewards Visa 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 of Southern California Platinum Rewards Visa

• Visit the Credit Union of Southern California Platinum Rewards Visa 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.