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  Grow Financial FCU Visa Platinum Preferred Secured

Grow Financial FCU Visa Platinum Preferred Secured

in Personal Credit Cards from Grow Financial FCU

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Grow Financial FCU Visa Platinum Preferred Secured

Unaffiliated

in Personal Credit Cards from Grow Financial FCU

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Highlights
Purchase APR  (Variable APR) 6.99% - 15.74%
Balance Transfer APR  (Variable APR) 6.99% - 15.74%
Credit Score Range 500 - 850
Annual Fee $0

Grow Financial FCU Visa Platinum Preferred Secured Review

This is a secured credit card credit card issued by Grow Financial FCU. If you're wondering whether Grow Financial FCU Visa Platinum Preferred Secured 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. Grow Financial FCU Visa Platinum Preferred Secured has a variable purchase APR that ranges from 6.99% up to 15.74%.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Grow Financial FCU Visa Platinum Preferred Secured
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Grow Financial FCU Visa Platinum Preferred Secured reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Grow Financial FCU Visa Platinum Preferred Secured FAQ

Does Grow Financial FCU Visa Platinum Preferred Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Grow Financial FCU Visa Platinum Preferred Secured benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Grow Financial FCU Visa Platinum Preferred Secured?

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 6.99% up to 15.74%. The card has a variable balance transfer APR that ranges from 6.99% up to 15.74%. It also has a variable cash advance APR of 18% . Note that late payments are subject to an APR of 18% 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 Grow Financial FCU Visa Platinum Preferred Secured have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 6 months.

Grow Financial FCU Visa Platinum Preferred Secured Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 6.99% - 15.74%
Balance Transfer Fee % 0%

Does Grow Financial FCU Visa Platinum Preferred Secured have an intro APR offer on new purchases?

Grow Financial FCU Visa Platinum Preferred Secured Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 6 months.

What are the fees for Grow Financial FCU Visa Platinum Preferred Secured?

The following fees apply:

Grow Financial FCU Visa Platinum Preferred Secured Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee $25 - $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Grow Financial FCU Visa Platinum Preferred Secured have a foreign transaction fee?

Grow Financial FCU Visa Platinum Preferred Secured 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 Grow Financial FCU Visa Platinum Preferred Secured?

The Grow Financial FCU Visa Platinum Preferred Secured customer service number is (813) 837-2451.

What is the support contact email for Grow Financial FCU Visa Platinum Preferred Secured?

The support contact email for Grow Financial FCU Visa Platinum Preferred Secured is news@growfinancial.org.

Does Grow Financial FCU Visa Platinum Preferred Secured report your account activity to credit bureaus?

Yes, Grow Financial FCU Visa Platinum Preferred Secured 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 Grow Financial FCU Visa Platinum Preferred Secured

  • Visit the Grow Financial FCU Visa Platinum Preferred Secured 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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About Grow Financial FCU Visa Platinum Preferred Secured

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View all personal credit cards offered by Grow Financial FCU

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount $25 - $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 6.99% - 15.74%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 6.99% - 15.74%
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

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