Last Updated: 07/28/2025
ELGA Credit Union Visa Platinum Card
Unaffiliated
in Credit Cards from ELGA Credit Union
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
9.90% - 17.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
9.90% - 17.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 699
Annual Fee
N/A
ELGA Credit Union Visa Platinum Card Review
This is a rewards card issued by ELGA Credit Union. If you're wondering whether ELGA Credit Union Visa Platinum Card is the right card for you, read on.
Key Takeaways
- APRs: ELGA Credit Union Visa Platinum Card has a variable regular purchase APR that ranges from 9.90% up to 17.90%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of ELGA Credit Union Visa Platinum Card
| The Good | The Bad |
|
|
ELGA Credit Union Visa Platinum Card FAQ
Does ELGA Credit Union Visa Platinum Card have a cash back or rewards program?
ELGA Credit Union Visa Platinum Card is a rewards card.
| Description |
Does ELGA Credit Union Visa Platinum Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does ELGA Credit Union Visa Platinum Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the ELGA Credit Union Visa Platinum Card benefits?
ELGA Credit Union Visa Platinum Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for ELGA Credit Union Visa Platinum 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.ELGA Credit Union Visa Platinum Card has a variable purchase APR that ranges from 9.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 9.90% up to 17.90%. It also has a variable cash advance APR that ranges from 9.90% up to 17.90%.
Note that late payments are subject to an APR of 17.90% 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 ELGA Credit Union Visa Platinum Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does ELGA Credit Union Visa Platinum 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 ELGA Credit Union Visa Platinum Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does ELGA Credit Union Visa Platinum Card have a foreign transaction fee?
ELGA Credit Union Visa Platinum Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 ELGA Credit Union Visa Platinum Card?
The customer service number for ELGA Credit Union Visa Platinum Card is (810) 715-3542.
What is the support contact email for ELGA Credit Union Visa Platinum Card?
The support contact email for ELGA Credit Union Visa Platinum Card is feedback@elgacu.com.
What is the login page for ELGA Credit Union Visa Platinum Card?
You can access the login page of ELGA Credit Union Visa Platinum Card here.
How do people rate the customer service and user experience of ELGA Credit Union Visa Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does ELGA Credit Union Visa Platinum Card report your account activity to credit bureaus?
Yes, ELGA Credit Union Visa Platinum 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 ELGA Credit Union perform a hard credit pull?
Yes, ELGA Credit Union Visa Platinum 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 ELGA Credit Union Visa Platinum Card
- Visit the website of ELGA Credit Union Visa Platinum 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 ELGA Credit Union Visa Platinum 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.
Hours of Operation
Sunday
Closed
Monday
Invalid DateTime - Invalid DateTime
Tuesday
Invalid DateTime - Invalid DateTime
Wednesday
Invalid DateTime - Invalid DateTime
Thursday
Invalid DateTime - Invalid DateTime
Friday
Invalid DateTime - Invalid DateTime
Saturday
Closed