Florida Credit Union Platinum Fresh Start Credit Card

Florida Credit Union Platinum Fresh Start Credit Card Review

This is a card issued by Florida Credit Union. If you're wondering whether Florida Credit Union Platinum Fresh Start Credit Card is the right card for you, read on.

Key Takeaways

• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Florida Credit Union Platinum Fresh Start Credit Card

The Good	The Bad
Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel assistance insurance Considers applicants with fair credit. Florida Credit Union Platinum Fresh Start Credit Card reports to multiple credit bureaus.	Charges an annual fee of $100 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.

Florida Credit Union Platinum Fresh Start Credit Card FAQ

Does Florida Credit Union Platinum Fresh Start Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Florida Credit Union Platinum Fresh Start Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Florida Credit Union Platinum Fresh Start Credit Card?

It has a variable purchase APR of up to 17.9%.

The card has a variable balance transfer APR of up to 17.9%.

It also has a variable cash advance APR of 17.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Florida Credit Union Platinum Fresh Start Credit Card?

The following fees apply:

• An overlimit fee of $35.

Florida Credit Union Platinum Fresh Start Credit Card Fees

Fees	Amount
Annual Fee	$100
Overlimit Fee	$35
Foreign Transaction Fee	1%
Returned Payment Fee	up to $35
Late Payment Fee	up to $35

Does Florida Credit Union Platinum Fresh Start Credit Card report your account activity to credit bureaus?

Yes, Florida Credit Union Platinum Fresh Start 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 Florida Credit Union Platinum Fresh Start Credit Card

• Visit the Florida Credit Union Platinum Fresh Start 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.