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.

• 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.

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.

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

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% .

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 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.