DuPage Credit Union Visa Platinum Advantage Credit Card

DuPage Credit Union Visa Platinum Advantage Credit Card Review

This is a credit card issued by DuPage Credit Union. If you're wondering whether DuPage Credit Union Visa Platinum Advantage Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. DuPage Credit Union Visa Platinum Advantage Credit Card has a variable purchase APR that ranges from 10.5% up to 18.5%.
• 3% Balance transfer fee. DuPage Credit Union Visa Platinum Advantage Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 90 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, 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 DuPage Credit Union Visa Platinum Advantage Credit Card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 10.5% up to 18.5%. Multiple credit card perks. Offers auto rental collision damage waiver. Travel accident and travel assistance insurance. Considers applicants with fair credit. DuPage Credit Union Visa Platinum Advantage Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Charges a 3% balance transfer fee, if you transfer the balance within 90 days of opening the account. After the introductory period, the fee is 18.5% .

DuPage Credit Union Visa Platinum Advantage Credit Card FAQ

Does DuPage Credit Union Visa Platinum Advantage Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the DuPage Credit Union Visa Platinum Advantage Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for DuPage Credit Union Visa Platinum Advantage Credit 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. This card has lower than average regular APRs.

DuPage Credit Union Visa Platinum Advantage Credit Card has a variable purchase APR that ranges from 10.5% up to 18.5%. The card has a variable balance transfer APR that ranges from 10.5% up to 18.5%. It also has a variable cash advance APR that ranges from 12.5% up to 20.5%.

What are the fees for DuPage Credit Union Visa Platinum Advantage Credit Card?

The following fees apply:

DuPage Credit Union Visa Platinum Advantage Credit Card Fees

Fees	Amount
Annual Fee
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does DuPage Credit Union Visa Platinum Advantage Credit Card report your account activity to credit bureaus?

Yes, DuPage Credit Union Visa Platinum Advantage Credit 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 DuPage Credit Union Visa Platinum Advantage Credit Card

• Visit the DuPage Credit Union Visa Platinum Advantage Credit 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.