Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.99% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
11.99% - 18.00%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
N/A
Granite CU Platinum Visa Review
This is a card issued by Granite Credit Union. If you're wondering whether Granite CU Platinum Visa is the right card for you, read on.
Key Takeaways
- APRs: Granite CU Platinum Visa has a variable regular purchase APR that ranges from 11.99% up to 18.00%.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Granite CU Platinum Visa
| The Good | The Bad |
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Granite CU Platinum Visa FAQ
Does Granite CU Platinum Visa have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Granite CU Platinum Visa?
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.Granite CU Platinum Visa has a variable purchase APR that ranges from 11.99% up to 18.00%. The card has a variable balance transfer APR that ranges from 11.99% up to 18.00%. It also has a variable cash advance APR that ranges from 11.99% up to 18.00%.
Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Granite CU Platinum Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.99% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Granite CU Platinum Visa 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 Granite CU Platinum Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 1.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for Granite CU Platinum Visa?
The customer service number for Granite CU Platinum Visa is (801) 288-3000.
What is the support contact email for Granite CU Platinum Visa?
The support contact email for Granite CU Platinum Visa is contactus@granite.org.
How do people rate the customer service and user experience of Granite CU Platinum Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Granite CU Platinum Visa report your account activity to credit bureaus?
Yes, Granite CU Platinum Visa 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 Granite Credit Union perform a hard credit pull?
Yes, Granite CU Platinum Visa 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 Granite CU Platinum Visa
- Visit the website of Granite CU Platinum Visa.
- 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.
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 - 2:00PM
Other Services by Granite Credit Union
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Other Credit Cards from Granite Credit Union
Rating not yet determined
Purchase APR
17.49% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 18.00%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
13.49% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
13.49% - 18.00%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
N/A
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