Education First Federal Credit Union Visa Platinum
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| Purchase APR (Variable APR) | 7.75 - 18.00 |
| Balance Transfer APR (Variable APR) | 7.75 - 18.00 |
| Credit Score Range | 600 - 699 |
| Annual Fee | N/A |
Education First Federal Credit Union Visa Platinum Review
This is a rewards card issued by Education First Federal Credit Union. If you're wondering whether Education First Federal Credit Union Visa Platinum is the right card for you, read on.
Key Takeaways
- Competitive APRs. Education First Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 7.75% up to 18.00%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, 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 First Federal Credit Union Visa Platinum
| The Good | The Bad |
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Education First Federal Credit Union Visa Platinum FAQ
Does Education First Federal Credit Union Visa Platinum have a cash back or rewards program?
Education First Federal Credit Union Visa Platinum is a rewards card. This card features rewards for purchases in the following categories:
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Education First Federal Credit Union Visa Platinum have a signup bonus?
This card doesn't offer a cash signup bonus.Does Education First Federal Credit Union Visa Platinum offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Education First Federal Credit Union Visa Platinum benefits?
It provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Education First Federal Credit Union Visa Platinum?
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 First Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 7.75% up to 18.00%. The card has a variable balance transfer APR that ranges from 7.75% up to 18.00%. It also has a variable cash advance APR that ranges from 7.75% up to 18.00%.
Does Education First Federal Credit Union Visa Platinum have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 4.99 |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 7.75 - 18.00 |
Does Education First Federal 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 First Federal Credit Union Visa Platinum?
The following fees apply:
- An overlimit fee of $10.00.
| Fees | Amount |
|---|---|
| Annual Fee | |
| Overlimit Fee | $10.00 |
| Foreign Transaction Fee | 1.00% |
| Returned Payment Fee | $0 |
Does Education First Federal Credit Union Visa Platinum have a foreign transaction fee?
Education First Federal Credit Union Visa Platinum charges a foreign transaction fee of 1.00%. 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 First Federal Credit Union Visa Platinum?
The Education First Federal Credit Union Visa Platinum customer service number is (409) 898-3770.
What is the support contact email for Education First Federal Credit Union Visa Platinum?
The support contact email for Education First Federal Credit Union Visa Platinum is info@educationfirstfcu.org.
What is the Education First Federal Credit Union Visa Platinum login page?
You can access the Education First Federal Credit Union Visa Platinum login page here.
How do people rate the customer service and user experience of Education First Federal Credit Union Visa Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Education First Federal Credit Union Visa Platinum report your account activity to credit bureaus?
Yes, Education First Federal 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 First Federal Credit Union Visa Platinum
- Visit the Education First Federal 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.
Contact
- Headquarters
-
Rosedale Drive, 6885 Eastex Fwy
Beaumont, TX 77706 USA - (409) 898-3770
- Visit Site
- Email Support
About Education First Federal Credit Union Visa Platinum
Availability
Feature Breakdown
| Foreign Currency Transaction Fee | 1.00 |
| Over-Limit Fee | 10.00 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | 0 - 27.00 |
| Paper Statement Fee | 3.00 |
| Late Fee Amount | Starting at 25.00 |
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