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

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%.

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 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.