Hughes Federal Credit Union Visa Platinum Credit Card Review

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

• 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 rental insurance, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Travel accident insurance. Considers applicants with fair or poor credit. Hughes Federal Credit Union Visa Platinum Credit Card 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.

Is there a Hughes Federal Credit Union Visa Platinum Credit Card cash back or rewards program?

No, Hughes Federal Credit Union Visa Platinum Credit Card does not offer a rewards program.

What are the Hughes Federal Credit Union Visa Platinum Credit Card benefits?

Hughes Federal Credit Union Visa Platinum Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Hughes Federal Credit Union Visa Platinum Credit Card?

Hughes Federal Credit Union Visa Platinum Credit Card has a variable purchase APR of up to 9.50%.

The card has a variable balance transfer APR of up to 9.50%.

The card has a variable cash advance APR of up to 9.50%.

Note that late payments are subject to an APR of 16.99% 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 Hughes Federal Credit Union Visa Platinum Credit Card?

The following fees apply to Hughes Federal Credit Union Visa Platinum Credit Card:

• An overlimit fee of $20.

Hughes Federal Credit Union Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	up to $30
Late Payment Fee	up to $30

Does Hughes Federal Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Hughes Federal Credit Union Visa Platinum 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 Hughes Federal Credit Union Visa Platinum Credit Card

• Visit the Hughes Federal Credit Union Visa Platinum 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.