Florida Credit Union Platinum Wave Cash Back
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| Purchase APR (Variable APR) |
8.90% - 17.9% (Verified 12/13/2022) |
| Balance Transfer APR (Variable APR) |
8.90% - 17.9% (Verified 12/13/2022) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Florida Credit Union Platinum Wave Cash Back Review
This is a cashback card issued by Florida Credit Union. If you're wondering whether Florida Credit Union Platinum Wave Cash Back is the right card for you, read on.
Key Takeaways
- Competitive APRs. Florida Credit Union Platinum Wave Cash Back has a variable purchase APR that ranges from 8.90% up to 17.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Florida Credit Union Platinum Wave Cash Back
| The Good | The Bad |
|---|---|
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Florida Credit Union Platinum Wave Cash Back FAQ
Does Florida Credit Union Platinum Wave Cash Back have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Florida Credit Union Platinum Wave Cash Back have a signup bonus?
This card doesn't offer a cash signup bonus.Does Florida Credit Union Platinum Wave Cash Back offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Florida Credit Union Platinum Wave Cash Back 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 Wave Cash Back?
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.Florida Credit Union Platinum Wave Cash Back has a variable purchase APR that ranges from 8.90% up to 17.9%. The card has a variable balance transfer APR that ranges from 8.90% up to 17.9%. It also has a variable cash advance APR of 17.90% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Florida Credit Union Platinum Wave Cash Back 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 Wave Cash Back 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 Wave Cash Back?
The following fees apply:
- An overlimit fee of $35.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $35 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Florida Credit Union Platinum Wave Cash Back have a foreign transaction fee?
Florida Credit Union Platinum Wave Cash Back 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 Florida Credit Union Platinum Wave Cash Back?
The Florida Credit Union Platinum Wave Cash Back customer service number is (800) 284-1144.
What is the support contact email for Florida Credit Union Platinum Wave Cash Back?
The support contact email for Florida Credit Union Platinum Wave Cash Back is askfcu@flcu.org.
What is the Florida Credit Union Platinum Wave Cash Back login page?
You can access the Florida Credit Union Platinum Wave Cash Back login page here.
How do people rate the customer service and user experience of Florida Credit Union Platinum Wave Cash Back?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Florida Credit Union Platinum Wave Cash Back report your account activity to credit bureaus?
Yes, Florida Credit Union Platinum Wave Cash Back 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 Wave Cash Back
- Visit the Florida Credit Union Platinum Wave Cash Back 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
-
2831 NW 43rd Street
Gainesville, FL 32606 USA - (800) 284-1144
- Visit Site
- Email Support
About Florida Credit Union Platinum Wave Cash Back
Availability
- 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 | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1.50 |
| Over-Limit Fee | $35 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $35 |
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