Education Credit Union Visa Platinum
in Personal Credit Cards from Education Credit Union
UnaffiliatedEducation Credit Union Visa Platinum
in Personal Credit Cards from Education Credit Union
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| Purchase APR | |
| Balance Transfer APR | 6.95 - 10.95 |
| Credit Score Range | 600 - 699 |
| Annual Fee | N/A |
Education Credit Union Visa Platinum Review
Education Credit Union Visa Platinum is a rewards credit card issued by Education Credit Union. If you're wondering whether Education 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 rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
Education Credit Union Visa Platinum Pros & Cons
| The Good | The Bad |
|---|---|
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Education Credit Union Visa Platinum FAQ
Is there a Education Credit Union Visa Platinum cash back or rewards program?
Education Credit Union Visa Platinum offers a rewards program to its customers.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Education Credit Union Visa Platinum have a signup bonus?
Education Credit Union Visa Platinum doesn't offer a cash signup bonus.Does Education Credit Union Visa Platinum offer an annual loyalty bonus?
Education Credit Union Visa Platinum doesn't offer a cash loyalty bonus.What are the Education Credit Union Visa Platinum benefits?
Education Credit Union Visa Platinum provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cellular Telephone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Education Credit Union Visa Platinum?
The card has a variable balance transfer APR that ranges from 6.95% up to 10.95%.Does Education Credit Union Visa Platinum have an introductory APR offer on balance transfers?
Yes, Education Credit Union Visa Platinum offers an introductory APR rate on balance transfers of 6.95% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 6.95 |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 6.95 - 10.95 |
Does Education Credit Union Visa Platinum have an introductory APR offer on new purchases?
Education Credit Union Visa Platinum does not offer an introductory rate on new purchases.What are the fees for Education Credit Union Visa Platinum?
The following fees apply to Education Credit Union Visa Platinum:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $25 |
Does Education Credit Union Visa Platinum have a foreign transaction fee?
Education 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 $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does Education Credit Union Visa Platinum report your account activity to credit bureaus?
Yes, Education Credit Union Visa Platinum reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Education Credit Union Visa Platinum
- Visit the Education Credit Union Visa Platinum website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Education Credit Union Visa Platinum's published terms & conditions.
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Contact
- Headquarters
-
4400 I-40 Frontage Rd
Amarillo, TX 79106 - (806) 358-7777
- Visit Site
About Education Credit Union Visa Platinum
View all personal credit cards offered by Education Credit Union
Availability
Available in 1 state
Texas
Availabile in all of Texas
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee (%) | Starting at 2 |
| Minimum Cash Advance Fee ($) | Starting at 5 |
| Foreign Currency Transaction Fee | 1 |
| Returned Payment Fee | Starting at 24 |
| Additional Card Fee Amount | 7.50 |
| Late Fee Amount | Up to 25 |
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