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  Credit Union of Southern California Platinum Rewards Visa

Credit Union of Southern California Platinum Rewards Visa

in Personal Credit Cards from Credit Union of Southern California

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Credit Union of Southern California Platinum Rewards Visa

Unaffiliated

in Personal Credit Cards from Credit Union of Southern California

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Highlights
Purchase APR  (Variable APR) 8.90 - 15.90
Balance Transfer APR  (Variable APR) 8.90 - 15.90
Credit Score Range 600 - 699
Annual Fee N/A

Credit Union of Southern California Platinum Rewards Visa Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 odds if your credit score is above 600.
Pros & Cons of Credit Union of Southern California Platinum Rewards Visa
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.
Credit Union of Southern California Platinum Rewards Visa FAQ

Does Credit Union of Southern California Platinum Rewards Visa have a cash back or rewards program?

Credit Union of Southern California Platinum Rewards Visa is a rewards card. 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

Does Credit Union of Southern California Platinum Rewards Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit Union of Southern California Platinum Rewards Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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.

Does Credit Union of Southern California Platinum Rewards Visa have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Credit Union of Southern California Platinum Rewards Visa 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 of Southern California Platinum Rewards Visa?

The following fees apply:

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 have a foreign transaction fee?

Credit Union of Southern California Platinum Rewards Visa 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 foreign transaction fees.

What is the customer service phone number for Credit Union of Southern California Platinum Rewards Visa?

The Credit Union of Southern California Platinum Rewards Visa customer service number is (562) 945-2214.

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.

View Credit Union of Southern California Platinum Rewards Visa'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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

About Credit Union of Southern California Platinum Rewards Visa

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View all personal credit cards offered by Credit Union of Southern California

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 2
Foreign Currency Transaction Fee 1
Late Fee Amount Up to 10
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
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 8.90 - 15.90
Balance Computation : We use a method called "average daily balance (including new purchases)."
Credit Limit Up to 50
Penalty APR (Variable APR) 19.90
Purchase APR (Variable APR) 8.90 - 15.90
Balance Transfer APR (Variable APR) 8.90 - 15.90
Balance Transfer Fee % 2.00
Card Type
  • Rewards
Card Network Visa

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