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  Earthmover Credit Union Visa Platinum Preferred

Earthmover Credit Union Visa Platinum Preferred

in Personal Credit Cards from Earthmover Credit Union

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Earthmover Credit Union Visa Platinum Preferred

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in Personal Credit Cards from Earthmover Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 12.50
Balance Transfer APR  (Variable APR) Starting at 12.50
Credit Score Range 600 - 699
Annual Fee N/A

Earthmover Credit Union Visa Platinum Preferred Review

Earthmover Credit Union Visa Platinum Preferred is a rewards credit card issued by Earthmover Credit Union. If you're wondering whether Earthmover Credit Union Visa Platinum Preferred 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, extended warranty protection on purchases, identity theft protection, purchase 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 Preferred Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Earthmover Credit Union Visa Platinum Preferred reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Earthmover Credit Union Visa Platinum Preferred FAQ

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

Earthmover Credit Union Visa Platinum Preferred offers a rewards program to its customers. This card features rewards for purchases in the following categories:

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

Does Earthmover Credit Union Visa Platinum Preferred have a signup bonus?

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

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

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

What are the Earthmover Credit Union Visa Platinum Preferred benefits?

Earthmover Credit Union Visa Platinum Preferred provides the following benefits:

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

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

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 Preferred has lower than average purchase APRs.

Earthmover Credit Union Visa Platinum Preferred has a variable purchase APR starting at 12.50% . The card has a variable balance transfer APR starting at 12.50% . It also has a variable cash advance APR starting at 12.50% .

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

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

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

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

What are the fees for Earthmover Credit Union Visa Platinum Preferred?

The following fees apply to Earthmover Credit Union Visa Platinum Preferred:

  • An overlimit fee of $29.
Earthmover Credit Union Visa Platinum Preferred 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 Preferred have a foreign transaction fee?

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

Yes, Earthmover Credit Union Visa Platinum Preferred 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 Preferred

  • Visit the Earthmover Credit Union Visa Platinum Preferred 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 Preferred'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 Preferred

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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
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 12.50
Purchase APR (Variable APR) Starting at 12.50
Balance Transfer APR (Variable APR) Starting at 12.50
Card Type
  • Rewards
Card Network Visa

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