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  ELGA Credit Union Visa Platinum Card

ELGA Credit Union Visa Platinum Card

in Personal Credit Cards from ELGA Credit Union

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ELGA Credit Union Visa Platinum Card

Unaffiliated

in Personal Credit Cards from ELGA Credit Union

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Highlights
Purchase APR  (Variable APR) 9.90 - 17.90
Balance Transfer APR  (Variable APR) 9.90 - 17.90
Credit Score Range 600 - 699
Annual Fee N/A

ELGA Credit Union Visa Platinum Card Review

ELGA Credit Union Visa Platinum Card is a rewards credit 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. ELGA Credit Union Visa Platinum Card has a variable 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 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
ELGA Credit Union Visa Platinum Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere ELGA Credit Union Visa Platinum Card is accepted.
  • ELGA Credit Union Visa Platinum Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
ELGA Credit Union Visa Platinum Card FAQ

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

ELGA Credit Union Visa Platinum Card offers a rewards program to its customers.

ELGA Credit Union Visa Platinum Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does ELGA Credit Union Visa Platinum Card have a signup bonus?

ELGA Credit Union Visa Platinum Card doesn't offer a cash signup bonus.

Does ELGA Credit Union Visa Platinum Card offer an annual loyalty bonus?

ELGA Credit Union Visa Platinum 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. ELGA Credit Union Visa Platinum Card has lower than average purchase 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 introductory APR offer on balance transfers?

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

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

ELGA Credit Union Visa Platinum Card does not offer an introductory rate on new purchases.

What are the fees for ELGA Credit Union Visa Platinum Card?

The following fees apply to ELGA Credit Union Visa Platinum Card:

ELGA Credit Union Visa Platinum Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 2%
Late Payment Fee up to $25

Does ELGA Credit Union Visa Platinum Card have a foreign transaction fee?

ELGA Credit Union Visa Platinum Card charges a foreign transaction fee of 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 a foreign transaction fee.

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

Yes, ELGA Credit Union Visa Platinum Card 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 ELGA Credit Union Visa Platinum Card

  • Visit the ELGA Credit Union Visa Platinum Card 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About ELGA Credit Union Visa Platinum Card

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 2
Returned Payment Fee Starting at 25
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Travel
  • Car Rentals
  • Every Purchase
  • Select Merchants
Cash Advance APR (Variable APR) 9.90 - 17.90
Balance Computation We use a method called "average daily balance" (Including new purchases).
Penalty APR (Variable APR) 17.90
Purchase APR (Variable APR) 9.90 - 17.90
Balance Transfer APR (Variable APR) 9.90 - 17.90
Card Type
  • Rewards
Card Network Visa

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