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  Florida Credit Union Platinum Wave Cash Back

Florida Credit Union Platinum Wave Cash Back

in Personal Credit Cards from Florida Credit Union

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Florida Credit Union Platinum Wave Cash Back

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in Personal Credit Cards from Florida Credit Union

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Highlights
Purchase APR  (Variable APR) 12.9% - 17.9%
Balance Transfer APR  (Variable APR) 12.9% - 17.9%
Credit Score Range 650 - 850
Annual Fee $0

Florida Credit Union Platinum Wave Cash Back Review

This is a cashback credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Florida Credit Union Platinum Wave Cash Back has a variable purchase APR that ranges from 12.9% 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 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
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Florida Credit Union Platinum Wave Cash Back is accepted.
  • Florida Credit Union Platinum Wave Cash Back reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
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.

Florida Credit Union Platinum Wave Cash Back Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 12.9% 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 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.
Florida Credit Union Platinum Wave Cash Back Fees
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.

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.

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 - 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

About Florida Credit Union Platinum Wave Cash Back

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View all personal credit cards offered by Florida Credit Union

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

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $1.50
Over-Limit Fee $35
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 17.9%
Balance Computation Average daily balance (including new purchases).
Credit Limit $5,000 - $50,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 12.9% - 17.9%
Balance Transfer APR (Variable APR) 12.9% - 17.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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