Last Updated: 07/28/2025
E-Central Credit Union Platinum Visa Credit Card
Unaffiliated
in Credit Cards from E-Central Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.24% - 23.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.24% - 23.24%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
E-Central Credit Union Platinum Visa Credit Card Review
This is a cashback credit card issued by E-Central Credit Union. If you're wondering whether E-Central Credit Union Platinum Visa Credit Card is the right card for you, read on.
Key Takeaways
- APRs: E-Central Credit Union Platinum Visa Credit Card has a variable regular purchase APR that ranges from 12.24% up to 23.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
Pros & Cons of E-Central Credit Union Platinum Visa Credit Card
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E-Central Credit Union Platinum Visa Credit Card FAQ
Does E-Central Credit Union Platinum Visa Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
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| Every Purchase | 1.5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does E-Central Credit Union Platinum Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does E-Central Credit Union Platinum Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the E-Central Credit Union Platinum Visa Credit Card benefits?
E-Central Credit Union Platinum Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for E-Central Credit Union Platinum Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.E-Central Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 12.24% up to 23.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 23.24%. It also has a variable cash advance APR that ranges from 15.24% up to 26.24%.
Does E-Central Credit Union Platinum Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does E-Central Credit Union Platinum Visa Credit Card 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 E-Central Credit Union Platinum Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does E-Central Credit Union Platinum Visa Credit Card have a foreign transaction fee?
E-Central Credit Union Platinum Visa Credit Card charges a foreign transaction fee of up to 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 E-Central Credit Union Platinum Visa Credit Card?
The customer service number for E-Central Credit Union Platinum Visa Credit Card is (626) 799-6000.
What is the support contact email for E-Central Credit Union Platinum Visa Credit Card?
The support contact email for E-Central Credit Union Platinum Visa Credit Card is info@ecentralcu.org.
What is the login page for E-Central Credit Union Platinum Visa Credit Card?
You can access the login page of E-Central Credit Union Platinum Visa Credit Card here.
How do people rate the customer service and user experience of E-Central Credit Union Platinum Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does E-Central Credit Union Platinum Visa Credit Card report your account activity to credit bureaus?
Yes, E-Central Credit Union Platinum Visa Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does E-Central Credit Union perform a hard credit pull?
Yes, E-Central Credit Union Platinum Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for E-Central Credit Union Platinum Visa Credit Card
- Visit the website of E-Central Credit Union Platinum Visa Credit Card.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed