Last Updated: 07/28/2025
Florida Credit Union Platinum Rate Credit Card
Unaffiliated
in Credit Cards from Florida Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
8.9% - 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.9% - 17.9%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Florida Credit Union Platinum Rate Credit Card Review
This is a card issued by Florida Credit Union. If you're wondering whether Florida Credit Union Platinum Rate Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Florida Credit Union Platinum Rate Credit Card has a variable regular purchase APR that ranges from 8.9% up to 17.9%.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Florida Credit Union Platinum Rate Credit Card
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Florida Credit Union Platinum Rate Credit Card FAQ
Does Florida Credit Union Platinum Rate Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- 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 Rate Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Florida Credit Union Platinum Rate Credit Card has a variable purchase APR that ranges from 8.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 8.9% 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.
Does Florida Credit Union Platinum Rate Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Florida Credit Union Platinum Rate 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 Florida Credit Union Platinum Rate Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Florida Credit Union Platinum Rate Credit Card have a foreign transaction fee?
Florida Credit Union Platinum Rate Credit Card charges a foreign transaction fee of up to 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 Florida Credit Union Platinum Rate Credit Card?
The customer service number for Florida Credit Union Platinum Rate Credit Card is (800) 284-1144.
What is the support contact email for Florida Credit Union Platinum Rate Credit Card?
The support contact email for Florida Credit Union Platinum Rate Credit Card is askfcu@flcu.org.
What is the login page for Florida Credit Union Platinum Rate Credit Card?
You can access the login page of Florida Credit Union Platinum Rate Credit Card here.
How do people rate the customer service and user experience of Florida Credit Union Platinum Rate Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Florida Credit Union Platinum Rate Credit Card report your account activity to credit bureaus?
Yes, Florida Credit Union Platinum Rate Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Florida Credit Union perform a hard credit pull?
Yes, Florida Credit Union Platinum Rate Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Florida Credit Union Platinum Rate Credit Card
- Visit the website of Florida Credit Union Platinum Rate Credit Card.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM