Georgias Own Visa Platinum Rewards Credit Card Review

Georgias Own Visa Platinum Rewards Credit Card is a rewards credit card issued by Georgia's Own Credit Union. If you're wondering whether Georgias Own Visa Platinum Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Georgias Own Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 9.99% up to 12.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Georgias Own Visa Platinum Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Travel assistance insurance Trip cancellation insurance. Cardholders can earn rewards on purchases everywhere Georgias Own Visa Platinum Rewards Credit Card is accepted. Georgias Own Visa Platinum Rewards Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 2%. Charges a 3% balance transfer fee.

Is there a Georgias Own Visa Platinum Rewards Credit Card cash back or rewards program?

Georgias Own Visa Platinum Rewards Credit Card offers a rewards program to its customers.

Georgias Own Visa Platinum Rewards Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Georgias Own Visa Platinum Rewards Credit Card benefits?

Georgias Own Visa Platinum Rewards Credit Card provides the following benefits:

• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Georgias Own Visa Platinum Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Georgias Own Visa Platinum Rewards Credit Card has lower than average purchase APRs.

Georgias Own Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 9.99% up to 12.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 12.99%. It also has a variable cash advance APR that ranges from 9.99% up to 12.99%. Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Georgias Own Visa Platinum Rewards Credit Card?

The following fees apply to Georgias Own Visa Platinum Rewards Credit Card:

Georgias Own Visa Platinum Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	2%
Returned Payment Fee	up to $37
Late Payment Fee	up to $37

Does Georgias Own Visa Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, Georgias Own Visa Platinum Rewards 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 Georgias Own Visa Platinum Rewards Credit Card

• Visit the Georgias Own Visa Platinum Rewards 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.