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  FivePoint Credit Union Platinum Visa Credit Card

FivePoint Credit Union Platinum Visa Credit Card

in Personal Credit Cards from FivePoint Credit Union

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FivePoint Credit Union Platinum Visa Credit Card

Unaffiliated

in Personal Credit Cards from FivePoint Credit Union

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Highlights
Purchase APR  (Variable APR) 7.25% - 17.25%
Balance Transfer APR  (Variable APR) 7.25% - 17.25%
Credit Score Range 600 - 850
Annual Fee $0

FivePoint Credit Union Platinum Visa Credit Card Review

This is a credit card issued by FivePoint Credit Union. If you're wondering whether FivePoint Credit Union Platinum Visa 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.

Key Takeaways
  • Competitive APRs. FivePoint Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 7.25% up to 17.25%.
  • 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 odds if your credit score is above 600.
Pros & Cons of FivePoint Credit Union Platinum Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.9%.
  • No balance transfer fee.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Considers applicants with fair or poor credit.
  • FivePoint Credit Union Platinum Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
FivePoint Credit Union Platinum Visa Credit Card FAQ

Does FivePoint Credit Union Platinum Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the FivePoint Credit Union Platinum Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for FivePoint Credit Union Platinum Visa 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. This card has lower than average regular APRs.

FivePoint Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 7.25% up to 17.25%. The card has a variable balance transfer APR that ranges from 7.25% up to 17.25%. It also has a variable cash advance APR of 18% .

Does FivePoint Credit Union Platinum Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.9% for a period of up to 6 months.

FivePoint Credit Union Platinum Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.9%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 7.25% - 17.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does FivePoint Credit Union Platinum Visa Credit Card have an intro APR offer on new purchases?

FivePoint Credit Union Platinum Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 1.9%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 1.9% on qualified purchases for a period of up to 6 months.

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

The following fees apply:

FivePoint Credit Union Platinum Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $29
Late Payment Fee up to $29

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

FivePoint Credit Union Platinum Visa 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 support contact email for FivePoint Credit Union Platinum Visa Credit Card?

The support contact email for FivePoint Credit Union Platinum Visa Credit Card is memberservices@5pointcu.org.

How do people rate the customer service and user experience of FivePoint Credit Union Platinum Visa Credit Card?

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

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

Yes, FivePoint Credit Union Platinum Visa 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 FivePoint Credit Union Platinum Visa Credit Card

  • Visit the FivePoint Credit Union Platinum Visa 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.

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 Closed

About FivePoint Credit Union Platinum Visa Credit Card

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View all personal credit cards offered by FivePoint Credit Union
View FivePoint Credit Union Profile

Availability

  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

Introductory Rate 1.9%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $2.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18%
Balance Computation Average Daily Balance (including new purchases)
Purchase APR (Variable APR) 7.25% - 17.25%
Balance Transfer Introductory APR (Variable APR) 1.9%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 7.25% - 17.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.