Education Credit Union Visa Platinum Cash Rewards
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| 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 |
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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.
| 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. This card has lower than average regular APRs.Education Credit Union Visa Platinum Cash Rewards 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:
| 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.
What is the Education Credit Union Visa Platinum Cash Rewards login page?
You can access the Education Credit Union Visa Platinum Cash Rewards login page here.
How do people rate the customer service and user experience of Education Credit Union Visa Platinum Cash Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
4400 I-40 Frontage Rd
Amarillo, TX 79106 USA - (806) 358-7777
- Visit Site
- Email Support
About Education Credit Union Visa Platinum Cash Rewards
Availability
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 |
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