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  State Department Visa Platinum® Credit Card

State Department Visa Platinum® Credit Card

in Personal Credit Cards from State Department Federal Credit Union

Unaffiliated

State Department Visa Platinum® Credit Card

Unaffiliated

in Personal Credit Cards from State Department Federal Credit Union

Net Recommendation Score +50% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Highlights
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Community Rating

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Balance Transfer APR  (Variable APR) 8.49% - 16.49%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 8.49% - 16.49%

State Department Visa Platinum® Credit Card Review

State Department Visa Platinum® Credit Card is a rewards credit card issued by State Department Federal Credit Union.  If you're wondering whether State Department Visa Platinum® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Competitive APRs. State Department Visa Platinum® Credit Card has a variable purchase APR of up to 16.49%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Accepts cosigners. State Department Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • State Department Visa Platinum® Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Travel assistance insurance
  • Requires good to excellent credit.
  • Does not offer a signup bonus.

Is there a State Department Visa Platinum® Credit Card cash back or rewards program?

State Department Visa Platinum® Credit Card offers a rewards program to its customers.

State Department Visa Platinum® Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does State Department Visa Platinum® Credit Card have a signup bonus?

State Department Visa Platinum® Credit Card doesn't offer a cash signup bonus.

Does State Department Visa Platinum® Credit Card offer an annual loyalty bonus?

State Department Visa Platinum® Credit Card doesn't offer a cash loyalty bonus.

What are the State Department Visa Platinum® Credit Card benefits?

State Department Visa Platinum® Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for State Department Visa Platinum® Credit 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. State Department Visa Platinum® Credit Card has lower than average purchase APRs.

State Department Visa Platinum® Credit Card has a variable purchase APR that ranges from 8.49% up to 16.49%. The card has a variable balance transfer APR that ranges from 8.49% up to 16.49%. It also has a variable cash advance APR that ranges from 8.49% up to 16.49%.

Does State Department Visa Platinum® Credit Card have an introductory APR offer on balance transfers??

No, State Department Visa Platinum® Credit Card does not come with an introductory APR offer for balance transfers.

Does State Department Visa Platinum® Credit Card have an introductory APR offer on new purchases??

State Department Visa Platinum® Credit Card does not offer an introductory rate on new purchases.

What are the State Department Visa Platinum® Credit Card fees?

The following fees apply to State Department Visa Platinum® Credit Card:

State Department Visa Platinum® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $25
Late Payment Fee $25

Does State Department Visa Platinum® Credit Card have a foreign transaction fee?

State Department Visa Platinum® Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does State Department Visa Platinum® Credit Card report your account activity to credit bureaus?

State Department Visa Platinum® Credit 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 can help improve your credit score.

How to apply for State Department Visa Platinum® Credit Card

  • Visit the State Department Visa Platinum® Credit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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About State Department Visa Platinum® Credit Card

Availability

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

Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25
Minimum Interest Charge $0.50
Returned Payment Fee $25
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Low Interest
  • Rewards
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Travel Assistance
No Blackout Dates  
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 8.49% - 16.49%
Purchase APR (Variable APR) 8.49% - 16.49%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 8.49% - 16.49%

State Department Visa Platinum® Credit Card Community Reviews

 

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