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  First Source FCU Visa Platinum Rewards Plus
First Source FCU Visa Platinum Rewards Plus
in Credit Cards from First Source Federal Credit Union
Unaffiliated

First Source FCU Visa Platinum Rewards Plus

Unaffiliated
in Credit Cards from First Source Federal Credit Union
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Not enough votes for recommendation

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Highlights
Purchase APR  (Variable APR) 9.99% - 17.99%
(Verified 11/07/2022)
Balance Transfer APR  (Variable APR) 9.99% - 17.99%
(Verified 11/07/2022)
Credit Score Range 650 - 850
Annual Fee $0

First Source FCU Visa Platinum Rewards Plus Review

This is a rewards card issued by First Source Federal Credit Union. If you're wondering whether First Source FCU Visa Platinum Rewards Plus is the right card for you, read on.

Key Takeaways

  • Competitive APRs. First Source FCU Visa Platinum Rewards Plus has a variable purchase APR that ranges from 9.99% up to 17.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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 odds if your credit score is above 650.

Pros & Cons of First Source FCU Visa Platinum Rewards Plus

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • First Source FCU Visa Platinum Rewards Plus reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.

First Source FCU Visa Platinum Rewards Plus FAQ

Does First Source FCU Visa Platinum Rewards Plus have a cash back or rewards program?

First Source FCU Visa Platinum Rewards Plus is a rewards card.

First Source FCU Visa Platinum Rewards Plus Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does First Source FCU Visa Platinum Rewards Plus have a signup bonus?

This card doesn't offer a cash signup bonus.

Does First Source FCU Visa Platinum Rewards Plus offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the First Source FCU Visa Platinum Rewards Plus benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for First Source FCU Visa Platinum Rewards Plus?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

First Source FCU Visa Platinum Rewards Plus has a variable purchase APR that ranges from 9.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 17.99%. It also has a variable cash advance APR that ranges from 9.99% up to 17.99%.

Does First Source FCU Visa Platinum Rewards Plus have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does First Source FCU Visa Platinum Rewards Plus 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 Source FCU Visa Platinum Rewards Plus?

The following fees apply:

  • There is no overlimit fee
First Source FCU Visa Platinum Rewards Plus Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $15
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 rewards card.

Does First Source FCU Visa Platinum Rewards Plus have a foreign transaction fee?

First Source FCU Visa Platinum Rewards Plus 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 Source FCU Visa Platinum Rewards Plus?

The First Source FCU Visa Platinum Rewards Plus customer service number is (315) 735-8571.

What is the support contact email for First Source FCU Visa Platinum Rewards Plus?

The support contact email for First Source FCU Visa Platinum Rewards Plus is membercare@fsource.org.

What is the First Source FCU Visa Platinum Rewards Plus login page?

You can access the First Source FCU Visa Platinum Rewards Plus login page here.

How do people rate the customer service and user experience of First Source FCU Visa Platinum Rewards Plus?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does First Source FCU Visa Platinum Rewards Plus report your account activity to credit bureaus?

Yes, First Source FCU Visa Platinum Rewards Plus 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 Source FCU Visa Platinum Rewards Plus

  • Visit the First Source FCU Visa Platinum Rewards Plus 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.

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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 8:00am - 12:00pm

About First Source FCU Visa Platinum Rewards Plus

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View all credit cards offered by First Source Federal Credit Union
View First Source Federal Credit Union Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 9.99% - 17.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 9.99% - 17.99%
(Verified 11/07/2022)
Balance Transfer APR (Variable APR) 9.99% - 17.99%
(Verified 11/07/2022)
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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