Last Updated: 07/28/2025
Grow Financial FCU Visa Platinum Preferred Secured
Unaffiliated
in Credit Cards from Grow Financial FCU
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.74% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.74% - 17.99%(Verified 06/21/2024)
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Credit Score Range
500 - 850
Annual Fee
$0
Grow Financial FCU Visa Platinum Preferred Secured Review
This is a secured 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.
Key Takeaways
- APRs: Grow Financial FCU Visa Platinum Preferred Secured has a variable regular purchase APR that ranges from 10.74% up to 17.99%.
- 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 up to 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Grow Financial FCU Visa Platinum Preferred Secured
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Grow Financial FCU Visa Platinum Preferred Secured has a variable purchase APR that ranges from 10.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 10.74% up to 17.99%. 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.74% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Grow Financial FCU Visa Platinum Preferred Secured have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for Grow Financial FCU Visa Platinum Preferred Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $35 . 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 up to 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 customer service number for Grow Financial FCU Visa Platinum Preferred Secured 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.
What is the login page for Grow Financial FCU Visa Platinum Preferred Secured?
You can access the login page of Grow Financial FCU Visa Platinum Preferred Secured here.
How do people rate the customer service and user experience of Grow Financial FCU Visa Platinum Preferred Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Grow Financial FCU Visa Platinum Preferred Secured report your account activity to credit bureaus?
Yes, Grow Financial FCU Visa Platinum Preferred Secured 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 Grow Financial FCU perform a hard credit pull?
Yes, Grow Financial FCU Visa Platinum Preferred Secured 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 Grow Financial FCU Visa Platinum Preferred Secured
- Visit the website of Grow Financial FCU Visa Platinum Preferred Secured.
- 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.
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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