Last Updated: 05/14/2026
Educators Credit Union Visa Platinum
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Fixed APR)
7.90% - 17.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
7.90% - 17.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
620 - 840
Annual Fee
$0
Educators Credit Union Visa Platinum Review
This is a cashback credit card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Platinum is the right card for you, read on.
Key Takeaways
- APRs: Educators Credit Union Visa Platinum has a fixed purchase APR that ranges from 7.90% up to 17.90%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Educators Credit Union Visa Platinum
| The Good | The Bad |
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Educators Credit Union Visa Platinum FAQ
Does Educators Credit Union Visa Platinum have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- 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 Educators Credit Union Visa Platinum?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Educators Credit Union Visa Platinum has a fixed purchase APR that ranges from 7.90% up to 17.90%. The card has a fixed balance transfer APR that ranges from 7.90% up to 17.90%. It also has a fixed cash advance APR that ranges from 7.90% up to 17.90%.
Does Educators Credit Union Visa Platinum have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Educators 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 Educators Credit Union Visa Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the support contact email for Educators Credit Union Visa Platinum?
The support contact email for Educators Credit Union Visa Platinum is amortgageofficer@ecu.com.
How do people rate the customer service and user experience of Educators Credit Union Visa Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Educators Credit Union Visa Platinum report your account activity to credit bureaus?
Yes, Educators Credit Union Visa Platinum reports to the following credit bureaus:
- 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 build your credit.
Does Educators Credit Union perform a hard credit pull?
Yes, Educators Credit Union Visa Platinum performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Educators Credit Union Visa Platinum
- Visit the website of Educators Credit Union Visa Platinum.
- 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.
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.
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Hours of Operation
SundayClosedMonday9:00AM - 6:00PMTuesday9:00AM - 6:00PMWednesday9:00AM - 6:00PMThursday9:00AM - 6:00PMFriday9:00AM - 6:00PMSaturday8:00AM - 1:00PM
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Other Credit Cards from Educators Credit Union
Rating not yet determined
Purchase APR
Starting at 6.25%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 6.25%
Disclaimer popup with additional information
Credit Score Range
670 - 840
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
Starting at 13.8%
Disclaimer popup with additional information
Credit Score Range
670 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.25% - 20.25%
Disclaimer popup with additional information
Balance Transfer APR
13.25% - 20.25%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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