Last Updated: 07/28/2025
Elements Financial Federal Credit Union Platinum Visa Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 8.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 8.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 699
Annual Fee
N/A
Elements Financial Federal Credit Union Platinum Visa Card Review
This is a rewards card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial Federal Credit Union Platinum Visa Card is the right card for you, read on.
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.0% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Elements Financial Federal Credit Union Platinum Visa Card
| The Good | The Bad |
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Elements Financial Federal Credit Union Platinum Visa Card FAQ
Does Elements Financial Federal Credit Union Platinum Visa Card have a cash back or rewards program?
Elements Financial Federal Credit Union Platinum Visa Card is a rewards card. This card features rewards for purchases in the following categories:
- Select Merchants
| Description |
Does Elements Financial Federal Credit Union Platinum Visa Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Elements Financial Federal Credit Union Platinum Visa Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Elements Financial Federal Credit Union Platinum Visa Card benefits?
Elements Financial Federal Credit Union Platinum Visa Card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Elements Financial Federal Credit Union Platinum Visa Card?
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.Elements Financial Federal Credit Union Platinum Visa Card has a variable purchase APR starting at 8.99%. The card has a variable balance transfer APR starting at 8.99% . It also has a variable cash advance APR starting at 15.99% .
Does Elements Financial Federal Credit Union Platinum Visa Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Elements Financial Federal Credit Union Platinum Visa Card 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 Elements Financial Federal Credit Union Platinum Visa Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Elements Financial Federal Credit Union Platinum Visa Card have a foreign transaction fee?
Elements Financial Federal Credit Union Platinum Visa Card charges a foreign transaction fee of up to 1.0%. 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 Elements Financial Federal Credit Union Platinum Visa Card?
The customer service number for Elements Financial Federal Credit Union Platinum Visa Card is (800) 621-2105.
What is the support contact email for Elements Financial Federal Credit Union Platinum Visa Card?
The support contact email for Elements Financial Federal Credit Union Platinum Visa Card is customerservice@elfcu.org.
How do people rate the customer service and user experience of Elements Financial Federal Credit Union Platinum Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Elements Financial Federal Credit Union Platinum Visa Card report your account activity to credit bureaus?
Yes, Elements Financial Federal Credit Union Platinum Visa Card 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 Elements Financial Federal Credit Union perform a hard credit pull?
Yes, Elements Financial Federal Credit Union Platinum Visa Card 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 Elements Financial Federal Credit Union Platinum Visa Card
- Visit the website of Elements Financial Federal Credit Union Platinum Visa Card.
- 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 Elements Financial Federal Credit Union Platinum Visa Card'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.
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Hours of Operation
SundayClosedMonday8:00AM - 1:00PMTuesdayClosedWednesday8:00AM - 1:00PMThursdayClosedFriday8:00AM - 1:00PMSaturdayClosed
Other Services by Elements Financial Federal Credit Union
Other Credit Cards from Elements Financial Federal Credit Union
Rating not yet determined
Purchase APR
Starting at 12.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 12.99%
Disclaimer popup with additional information
Credit Score Range
580 - 679
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
Starting at 8.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 8.99%
Disclaimer popup with additional information
Credit Score Range
580 - 679
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
Starting at 10.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 10.99%
Disclaimer popup with additional information
Credit Score Range
580 - 679
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
Starting at 12.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 12.99%
Disclaimer popup with additional information
Credit Score Range
600 - 699
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
8.99% - 10.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 10.99%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
Starting at 12.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 12.99%
Disclaimer popup with additional information
Credit Score Range
500 - 600
300
850
Annual Fee
N/A
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