First Reliance FCU Platinum MasterCard Credit Card
in Personal Credit Cards from First Reliance FCU
UnaffiliatedFirst Reliance FCU Platinum MasterCard Credit Card
in Personal Credit Cards from First Reliance FCU
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| Purchase APR (Variable APR) | 7.9% - 16.9% |
| Balance Transfer APR (Variable APR) | 7.9% - 16.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
First Reliance FCU Platinum MasterCard Credit Card Review
This is a credit card issued by First Reliance FCU. If you're wondering whether First Reliance FCU Platinum MasterCard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. First Reliance FCU Platinum MasterCard Credit Card has a variable purchase APR that ranges from 7.9% up to 16.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
| The Good | The Bad |
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Does First Reliance FCU Platinum MasterCard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the First Reliance FCU Platinum MasterCard Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for First Reliance FCU Platinum MasterCard Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 7.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 7.9% up to 16.9%. It also has a variable cash advance APR that ranges from 7.9% up to 16.9%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does First Reliance FCU Platinum MasterCard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.9% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 3.9% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 7.9% - 16.9% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does First Reliance FCU Platinum MasterCard Credit 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 First Reliance FCU Platinum MasterCard Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does First Reliance FCU Platinum MasterCard Credit Card have a foreign transaction fee?
First Reliance FCU Platinum MasterCard Credit Card charges a foreign transaction fee of 1%. 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 First Reliance FCU Platinum MasterCard Credit Card?
The First Reliance FCU Platinum MasterCard Credit Card customer service number is (706) 613-1644.
Does First Reliance FCU Platinum MasterCard Credit Card report your account activity to credit bureaus?
Yes, First Reliance FCU Platinum MasterCard 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 may help improve your credit.
How to apply for First Reliance FCU Platinum MasterCard Credit Card
- Visit the First Reliance FCU Platinum MasterCard 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
205 Collins Industrial Blvd.
Athens, GA 30601 - (706) 613-1644
- Visit Site
About First Reliance FCU Platinum MasterCard Credit Card
Availability
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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