Dart Bank Visa Platinum Rewards

Dart Bank Visa Platinum Rewards Review

This is a secured credit card rewards credit card issued by Dart Bank. If you're wondering whether Dart Bank Visa Platinum Rewards is the right card for you, read on.

Key Takeaways

• Competitive APRs. Dart Bank Visa Platinum Rewards has a variable purchase APR that ranges from 15.75% up to 21.75%.
• 3% Balance transfer fee. Dart Bank Visa Platinum Rewards charges a fee of 3% on balance transfers, if you transfer the balance within 25 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees.
• 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 emergency support, identity theft protection, price protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Dart Bank Visa Platinum Rewards

The Good	The Bad
Potentially lower than average purchase APRs. Multiple credit card perks. Free access to your credit score. Identity Theft Protection. Considers applicants with fair credit. Cardholders can earn rewards on purchases everywhere Dart Bank Visa Platinum Rewards is accepted. Dart Bank Visa Platinum Rewards reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a 3% balance transfer fee, if you transfer the balance within 25 days of opening the account.

Dart Bank Visa Platinum Rewards FAQ

Does Dart Bank Visa Platinum Rewards have a cash back or rewards program?

Dart Bank Visa Platinum Rewards is a rewards card.

Dart Bank Visa Platinum Rewards Rewards

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

What are the Dart Bank Visa Platinum Rewards benefits?

It provides the following benefits:

• Free Credit Score
• Emergency Support
• Zero fraud liability
• Price Protection
• Cell Phone Protection
• Reports to major credit bureaus

What are the relevant APRs for Dart Bank Visa Platinum Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Dart Bank Visa Platinum Rewards has a variable purchase APR that ranges from 15.75% up to 21.75%. The card has a variable balance transfer APR that ranges from 15.75% up to 21.75%. It also has a variable cash advance APR that ranges from 15.75% up to 21.75%. Note that late payments are subject to an APR of 25.00% 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 Dart Bank Visa Platinum Rewards?

The following fees apply:

Dart Bank Visa Platinum Rewards Fees

Fees	Amount
Annual Fee
Returned Payment Fee	$25 - $35.00
Late Payment Fee	$25.00 - $35.00

Does Dart Bank Visa Platinum Rewards report your account activity to credit bureaus?

Yes, Dart Bank Visa Platinum Rewards 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 Dart Bank Visa Platinum Rewards

• Visit the Dart Bank Visa Platinum Rewards 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.