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  Education Credit Union Visa Platinum Cash Rewards

Education Credit Union Visa Platinum Cash Rewards

in Personal Credit Cards from Education Credit Union

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Education Credit Union Visa Platinum Cash Rewards

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in Personal Credit Cards from Education Credit Union

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Highlights
Purchase APR  (Variable APR) 7.24 - 17.75
Balance Transfer APR  (Variable APR) 7.24 - 17.75
Credit Score Range 600 - 699
Annual Fee N/A

Education Credit Union Visa Platinum Cash Rewards Review

This is a rewards credit card issued by Education Credit Union. If you're wondering whether Education Credit Union Visa Platinum Cash Rewards 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
  • Competitive APRs. Education Credit Union Visa Platinum Cash Rewards has a variable purchase APR that ranges from 7.24% up to 17.75%.
  • 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 odds if your credit score is above 600.
Pros & Cons of Education Credit Union Visa Platinum Cash Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • 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 purchases everywhere Education Credit Union Visa Platinum Cash Rewards is accepted.
  • Education Credit Union Visa Platinum Cash Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Education Credit Union Visa Platinum Cash Rewards FAQ

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

Education Credit Union Visa Platinum Cash Rewards is a rewards card.

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

Does Education Credit Union Visa Platinum Cash Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Education Credit Union Visa Platinum Cash Rewards 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 Cash Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.24% up to 17.75%. The card has a variable balance transfer APR that ranges from 7.24% up to 17.75%. It also has a variable cash advance APR starting at 17.75% . Note that late payments are subject to an APR of 17.75% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Education Credit Union Visa Platinum Cash Rewards have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Education Credit Union Visa Platinum Cash Rewards 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 Cash Rewards?

The following fees apply:

Education Credit Union Visa Platinum Cash Rewards Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Late Payment Fee up to $25

Does Education Credit Union Visa Platinum Cash Rewards have a foreign transaction fee?

Education Credit Union Visa Platinum Cash Rewards 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 Cash Rewards?

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

What is the support contact email for Education Credit Union Visa Platinum Cash Rewards?

The support contact email for Education Credit Union Visa Platinum Cash Rewards is ecumarketing@educationcu.com.

Does Education Credit Union Visa Platinum Cash Rewards report your account activity to credit bureaus?

Yes, Education Credit Union Visa Platinum Cash Rewards 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 Cash Rewards

  • Visit the Education Credit Union Visa Platinum Cash Rewards 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 Cash Rewards'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 Cash Rewards

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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 Minimum 5
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) Starting at 5
Foreign Currency Transaction Fee 1
Returned Payment Fee Starting at 24
Paper Statement Fee 2
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
Rewards Categories
  • Travel
  • Car Rentals
  • Internet / Cable / Phone Services
  • Insurance
  • Every Purchase
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 17.75
Balance Computation We use a method called "average daily balance (including new purchases)".
Penalty APR (Variable APR) 17.75
Purchase APR (Variable APR) 7.24 - 17.75
Balance Transfer APR (Variable APR) 7.24 - 17.75
Card Type
  • Rewards
Card Network Visa

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