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  Education Credit Union Visa Platinum

Education Credit Union Visa Platinum

in Personal Credit Cards from Education Credit Union

Unaffiliated

Education Credit Union Visa Platinum

Unaffiliated

in Personal Credit Cards from Education Credit Union

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Highlights
Purchase APR N/A
Balance Transfer APR 6.95 - 10.95
Credit Score Range 600 - 699
Annual Fee N/A

Education Credit Union Visa Platinum Review

This 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 review will provide you with with all the details you need 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.
Pros & Cons of Education Credit Union Visa Platinum
The Good The Bad
  • Has an introductory APR rate on balance transfers of 6.95%.
  • No balance transfer fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Education Credit Union Visa Platinum 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.
Education Credit Union Visa Platinum FAQ

Does Education Credit Union Visa Platinum have a cash back or rewards program?

Education Credit Union Visa Platinum is a rewards card.

Education Credit Union Visa Platinum Rewards
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?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Education Credit Union Visa Platinum benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone 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 intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 6.95% for a period of up to 6 months.

Education Credit Union Visa Platinum Balance Transfers
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 intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Education Credit Union Visa Platinum?

The following fees apply:

Education Credit Union Visa Platinum Fees
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 foreign transaction fees.

What is the customer service phone number for Education Credit Union Visa Platinum?

The Education Credit Union Visa Platinum customer service number is (806) 358-7777.

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.
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 - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 10:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

About Education Credit Union Visa Platinum

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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
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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
Balance Transfer Introductory APR 6.95
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 6.95 - 10.95
Card Type
  • Rewards
Card Network Visa

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