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  Educators Credit Union Visa Platinum

Educators Credit Union Visa Platinum

in Personal Credit Cards from Educators Credit Union

Unaffiliated

Educators Credit Union Visa Platinum

Unaffiliated

in Personal Credit Cards from Educators Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 7.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 620 - 840
Annual Fee $0

Educators Credit Union Visa Platinum Review

Educators Credit Union Visa Platinum 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. This is everything you need to know to make a good choice.

Key Takeaways
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 620.
Educators Credit Union Visa Platinum Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Considers applicants with fair or poor credit.
  • Educators Credit Union Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Educators Credit Union Visa Platinum FAQ

Is there a Educators Credit Union Visa Platinum cash back or rewards program?

No, Educators Credit Union Visa Platinum does not offer a rewards program. Educators Credit Union Visa Platinum is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the Educators Credit Union Visa Platinum benefits?

Educators Credit Union Visa Platinum provides the following benefits:

  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Educators Credit Union Visa Platinum?

Issuer does not publicly disclose rates. Please see the issuer's application page or contact them directly for rate and fee information.

Does Educators Credit Union Visa Platinum have an introductory APR offer on balance transfers?

No, Educators Credit Union Visa Platinum does not come with an introductory APR offer for balance transfers.

Does Educators Credit Union Visa Platinum have an introductory APR offer on new purchases?

Educators Credit Union Visa Platinum does not offer an introductory rate on new purchases.
Educators Credit Union Visa Platinum Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Educators Credit Union Visa Platinum?

The following fees apply to Educators Credit Union Visa Platinum:

Educators Credit Union Visa Platinum Fees
Fees Amount
Annual Fee $0

Does Educators Credit Union Visa Platinum report your account activity to credit bureaus?

Yes, Educators 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 Educators Credit Union Visa Platinum

  • Visit the Educators 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Entertainment (Points) 1
Minimum Cash Advance Fee ($) $0
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 620 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories Every Purchase
Does Not Disclose Rates  
Credit Limit $500 - $25,000
Purchase APR (Fixed APR) Starting at 7.9%
Card Type
  • Balance Transfer
  • Low Interest
  • Cashback
Card Network Visa

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