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  Earthmover Credit Union Visa Platinum

Earthmover Credit Union Visa Platinum

in Personal Credit Cards from Earthmover Credit Union

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Earthmover Credit Union Visa Platinum

Unaffiliated

in Personal Credit Cards from Earthmover Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 13.80
Balance Transfer APR  (Variable APR) Starting at 13.80
Credit Score Range 600 - 699
Annual Fee N/A

Earthmover Credit Union Visa Platinum Review

Earthmover Credit Union Visa Platinum is a rewards credit card issued by Earthmover Credit Union. If you're wondering whether Earthmover Credit Union Visa Platinum is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Earthmover Credit Union Visa Platinum Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Earthmover Credit Union Visa Platinum is accepted.
  • Earthmover Credit Union Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Earthmover Credit Union Visa Platinum FAQ

Is there a Earthmover Credit Union Visa Platinum cash back or rewards program?

Earthmover Credit Union Visa Platinum offers a rewards program to its customers.

Earthmover Credit Union Visa Platinum Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Earthmover Credit Union Visa Platinum have a signup bonus?

Earthmover Credit Union Visa Platinum doesn't offer a cash signup bonus.

Does Earthmover Credit Union Visa Platinum offer an annual loyalty bonus?

Earthmover Credit Union Visa Platinum doesn't offer a cash loyalty bonus.

What are the Earthmover Credit Union Visa Platinum benefits?

Earthmover Credit Union Visa Platinum provides the following benefits:

  • Free Credit Score
  • Emergency Support
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Earthmover Credit Union Visa Platinum?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Earthmover Credit Union Visa Platinum has lower than average purchase APRs.

Earthmover Credit Union Visa Platinum has a variable purchase APR starting at 13.80% . The card has a variable balance transfer APR starting at 13.80% . It also has a variable cash advance APR starting at 13.80% .

Does Earthmover Credit Union Visa Platinum have an introductory APR offer on balance transfers?

No, Earthmover Credit Union Visa Platinum does not come with an introductory APR offer for balance transfers.

Does Earthmover Credit Union Visa Platinum have an introductory APR offer on new purchases?

Earthmover Credit Union Visa Platinum does not offer an introductory rate on new purchases.

What are the fees for Earthmover Credit Union Visa Platinum?

The following fees apply to Earthmover Credit Union Visa Platinum:

  • An overlimit fee of $29.
Earthmover Credit Union Visa Platinum Fees
Fees Amount
Annual Fee
Overlimit Fee $29
Foreign Transaction Fee 1%
Returned Payment Fee up to $29
Late Payment Fee up to $29

Does Earthmover Credit Union Visa Platinum have a foreign transaction fee?

Earthmover Credit Union Visa Platinum 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 a foreign transaction fee.

Does Earthmover Credit Union Visa Platinum report your account activity to credit bureaus?

Yes, Earthmover Credit Union Visa Platinum 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 Earthmover Credit Union Visa Platinum

  • Visit the Earthmover Credit Union Visa Platinum 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 Earthmover Credit Union Visa Platinum'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 - 1:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:30pm

About Earthmover Credit Union Visa Platinum

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View all personal credit cards offered by Earthmover Credit Union

Availability

  Available in 1 state
Illinois
Availabile in all of Illinois

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
Over-Limit Fee 29
Returned Payment Fee Up to 29
Late Fee Amount Up to 29
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
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Categories
  • Travel
  • Insurance
  • Every Purchase
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 13.80
Balance Computation We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."
Purchase APR (Variable APR) Starting at 13.80
Balance Transfer APR (Variable APR) Starting at 13.80
Card Type
  • Rewards
Card Network Visa

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