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  Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card

Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card

in Personal Credit Cards from Idaho Central Credit Union

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Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card

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in Personal Credit Cards from Idaho Central Credit Union

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Highlights
Purchase APR  (Fixed APR) 13.99% - 17.99%
Balance Transfer APR  (Fixed APR) 13.99% - 17.99%
Credit Score Range 600 - 850
Annual Fee $0

Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card Review

This is a credit card issued by Idaho Central Credit Union. If you're wondering whether Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card 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. Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card has a fixed purchase APR that ranges from 13.99% 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.
  • 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, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Idaho Central Credit Union Fixed Rate Platinum Visa 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.
Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card FAQ

Does Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card?

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 fixed purchase APR that ranges from 13.99% up to 17.99%. The card has a fixed balance transfer APR that ranges from 13.99% up to 17.99%. It also has a fixed cash advance APR that ranges from 13.99% up to 17.99%. 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 Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card have an intro APR offer on balance transfers?

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

Does Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card 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 Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card?

The following fees apply:

  • An overlimit fee of $25.
Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee up to $20
Late Payment Fee up to $15

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

Does Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card have a foreign transaction fee?

Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card 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 Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card?

The Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card customer service number is (800) 456-5067.

Does Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card report your account activity to credit bureaus?

Yes, Idaho Central Credit Union Fixed Rate Platinum Visa 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 Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card

  • Visit the Idaho Central Credit Union Fixed Rate Platinum Visa 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.

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 - 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 - 3:00pm

About Idaho Central Credit Union Fixed Rate Platinum Visa Credit Card

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View all personal credit cards offered by Idaho Central Credit Union

Availability

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

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Over-Limit Fee $25
Returned Payment Fee Up to $20
Paper Statement Fee $2
Additional Card Fee Amount $10
Late Fee Amount Up to $15
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 13.99% - 17.99%
Balance Computation a method called "average daily balance (including new purchases)."
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) 13.99% - 17.99%
Balance Transfer APR (Fixed APR) 13.99% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
Card Network Visa

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