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  Gulf Winds Credit Union Visa Platinum Rewards
Gulf Winds Credit Union Visa Platinum Rewards Unaffiliated

Gulf Winds Credit Union Visa Platinum Rewards

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Highlights
Purchase APR 9.9% - 17.9%
Balance Transfer APR 9.9% - 17.9%
Credit Score Range 650 - 850
Annual Fee $0

Gulf Winds Credit Union Visa Platinum Rewards Review

This is a credit card issued by Gulf Winds Credit Union. If you're wondering whether Gulf Winds Credit Union Visa Platinum Rewards 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. Gulf Winds Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 9.9% up to 17.9%.
  • 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.
  • 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 and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Gulf Winds Credit Union Visa Platinum Rewards
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Gulf Winds Credit Union Visa Platinum Rewards 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.
Gulf Winds Credit Union Visa Platinum Rewards FAQ

Does Gulf Winds Credit Union Visa Platinum Rewards have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Gulf Winds Credit Union Visa Platinum Rewards benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Gulf Winds Credit Union Visa Platinum Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Gulf Winds Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 9.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 17.9%. It also has a variable cash advance APR that ranges from 9.9% up to 17.9%.

Does Gulf Winds Credit Union Visa Platinum Rewards have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Gulf Winds Credit Union Visa Platinum Rewards 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 Gulf Winds Credit Union Visa Platinum Rewards?

The following fees apply:

  • An overlimit fee of $20.
Gulf Winds Credit Union Visa Platinum Rewards Fees
Fees Amount
Annual Fee $0
Overlimit Fee $20
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $20

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

Does Gulf Winds Credit Union Visa Platinum Rewards have a foreign transaction fee?

Gulf Winds Credit Union Visa Platinum Rewards 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 support contact email for Gulf Winds Credit Union Visa Platinum Rewards?

The support contact email for Gulf Winds Credit Union Visa Platinum Rewards is info@gogulfwinds.com.

What is the Gulf Winds Credit Union Visa Platinum Rewards login page?

You can access the Gulf Winds Credit Union Visa Platinum Rewards login page here.

How do people rate the customer service and user experience of Gulf Winds Credit Union Visa Platinum Rewards?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Gulf Winds Credit Union Visa Platinum Rewards report your account activity to credit bureaus?

Yes, Gulf Winds Credit Union Visa Platinum Rewards reports your account activity to the following credit reporting agencies:

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 Gulf Winds Credit Union Visa Platinum Rewards

  • Visit the Gulf Winds Credit Union Visa Platinum Rewards 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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 12:00pm

About Gulf Winds Credit Union Visa Platinum Rewards

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View all credit cards offered by Gulf Winds Credit Union

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

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 21 days
Foreign Currency Transaction Fee 1%
Over-Limit Fee $20
Returned Payment Fee Up to $25
Late Fee Amount Up to $20
Minimum Age 18
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • 1x Point on
Cash Advance APR 9.9% - 17.9%
Balance Computation Average daily balance (including new purchases).
Purchase APR 9.9% - 17.9%
Balance Transfer APR 9.9% - 17.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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