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  Dade County Federal Visa Platinum Card

Dade County Federal Visa Platinum Card

in Personal Credit Cards from Dade County Federal Credit Union

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Dade County Federal Visa Platinum Card

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in Personal Credit Cards from Dade County Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 7.90% - 17.90%
Balance Transfer APR  (Variable APR) Starting at 6.99%
Credit Score Range 600 - 699
Annual Fee N/A

Dade County Federal Visa Platinum Card Review

This is a secured credit card rewards credit card issued by Dade County Federal Credit Union. If you're wondering whether Dade County Federal Visa Platinum Card 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Dade County Federal Visa Platinum Card has a variable purchase APR that ranges from 07.90% up to 17.90%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.5% 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, identity theft protection, price protection, purchase protection, travel accident insurance, 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 Dade County Federal Visa Platinum Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee, if you transfer the balance within 25 days. -->.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Dade County Federal Visa Platinum Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.5%.
  • You don't earn rewards on every purchase.
Dade County Federal Visa Platinum Card FAQ

Does Dade County Federal Visa Platinum Card have a cash back or rewards program?

Dade County Federal Visa Platinum Card is a rewards card. This card features rewards for purchases in the following categories:

Dade County Federal Visa Platinum Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Dade County Federal Visa Platinum Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Dade County Federal Visa Platinum Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Dade County Federal Visa Platinum Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Dade County Federal Visa Platinum Card?

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 07.90% up to 17.90%. The card has a variable balance transfer APR starting at 6.99% . It also has a variable cash advance APR that ranges from 07.90% up to 17.90%.

Does Dade County Federal Visa Platinum Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Dade County Federal Visa Platinum Card Balance Transfers
Description
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR Starting at 6.99%

Does Dade County Federal Visa Platinum Card have an intro APR offer on new purchases?

Dade County Federal Visa Platinum Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Dade County Federal Visa Platinum Card?

The following fees apply:

  • An overlimit fee of $35.
Dade County Federal Visa Platinum Card Fees
Fees Amount
Annual Fee
Overlimit Fee $35
Foreign Transaction Fee 1.5%
Returned Payment Fee $25 - $35
Late Payment Fee $25 - $35

Does Dade County Federal Visa Platinum Card have a foreign transaction fee?

Dade County Federal Visa Platinum Card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. 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 Dade County Federal Visa Platinum Card?

The Dade County Federal Visa Platinum Card customer service number is (305) 471-5080.

What is the support contact email for Dade County Federal Visa Platinum Card?

The support contact email for Dade County Federal Visa Platinum Card is marketing@dcfcu.org.

Does Dade County Federal Visa Platinum Card report your account activity to credit bureaus?

Yes, Dade County Federal Visa Platinum 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 Dade County Federal Visa Platinum Card

  • Visit the Dade County Federal Visa Platinum 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.

View Dade County Federal Visa Platinum Card'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 - 5:30pm
  • Friday 8:00am - 5:30pm
  • Saturday 9:00am - 2:00pm

About Dade County Federal Visa Platinum Card

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View all personal credit cards offered by Dade County Federal Credit Union
View Dade County Federal Credit Union Profile

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) $5 - $100
Foreign Currency Transaction Fee 1.5%
Over-Limit Fee $35
Returned Payment Fee $25 - $35
Paper Statement Fee $2.00
Additional Card Fee Amount $10.00
Late Fee Amount $25 - $35
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
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Purchase Protection
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 7.90% - 17.90%
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."
Purchase APR (Variable APR) 7.90% - 17.90%
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) Starting at 6.99%
Card Type
  • Rewards
  • Secured
  • Low Interest
Card Network Visa

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