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  Interra Credit Union Platinum Elite Credit Card

Interra Credit Union Platinum Elite Credit Card

in Personal Credit Cards from Interra Credit Union

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Interra Credit Union Platinum Elite Credit Card

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in Personal Credit Cards from Interra Credit Union

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Highlights
Purchase APR  (Variable APR) 11.25% - 14.25%
Balance Transfer APR  (Variable APR) 11.25% - 14.25%
Credit Score Range 680 - 850
Annual Fee $0

Interra Credit Union Platinum Elite Credit Card Review

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

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Interra Credit Union Platinum Elite Credit Card has a variable purchase APR that ranges from 11.25% up to 14.25%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Interra Credit Union Platinum Elite Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Interra Credit Union Platinum Elite Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Interra Credit Union Platinum Elite Credit Card is accepted.
  • Interra Credit Union Platinum Elite Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
Interra Credit Union Platinum Elite Credit Card FAQ

Is there a Interra Credit Union Platinum Elite Credit Card cash back or rewards program?

Interra Credit Union Platinum Elite Credit Card offers a rewards program to its customers.

Interra Credit Union Platinum Elite Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does Interra Credit Union Platinum Elite Credit Card have a signup bonus?

Interra Credit Union Platinum Elite Credit Card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does Interra Credit Union Platinum Elite Credit Card offer an annual loyalty bonus?

Interra Credit Union Platinum Elite Credit Card doesn't offer a cash loyalty bonus.

What are the Interra Credit Union Platinum Elite Credit Card benefits?

Interra Credit Union Platinum Elite Credit Card provides the following benefits:

  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Interra Credit Union Platinum Elite Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Interra Credit Union Platinum Elite Credit Card has lower than average purchase APRs.

Interra Credit Union Platinum Elite Credit Card has a variable purchase APR that ranges from 11.25% up to 14.25%. The card has a variable balance transfer APR that ranges from 11.25% up to 14.25%. It also has a variable cash advance APR that ranges from 11.25% up to 14.25%.

Does Interra Credit Union Platinum Elite Credit Card have an introductory APR offer on balance transfers?

Yes, Interra Credit Union Platinum Elite Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Interra Credit Union Platinum Elite Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.25% - 14.25%
Balance Transfer Fee % 2%

Does Interra Credit Union Platinum Elite Credit Card have an introductory APR offer on new purchases?

Interra Credit Union Platinum Elite Credit Card does not offer an introductory rate on new purchases.

What are the fees for Interra Credit Union Platinum Elite Credit Card?

The following fees apply to Interra Credit Union Platinum Elite Credit Card:

  • There is no overlimit fee
Interra Credit Union Platinum Elite Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $5

Does Interra Credit Union Platinum Elite Credit Card have a foreign transaction fee?

Interra Credit Union Platinum Elite 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 a foreign transaction fee.

Does Interra Credit Union Platinum Elite Credit Card report your account activity to credit bureaus?

Yes, Interra Credit Union Platinum Elite 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 Interra Credit Union Platinum Elite Credit Card

  • Visit the Interra Credit Union Platinum Elite 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 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday 8:30am - 12:00pm

About Interra Credit Union Platinum Elite Credit Card

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View all personal credit cards offered by Interra 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

Every Purchase (Points) Earn 1.5 points for every dollar spent. Redeem points for 1% cash back, travel, gift cards, merchandise, and more!
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee (%) Up to 2%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Additional Card Fee Amount $7
Late Fee Amount Up to $5
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 11.25% - 14.25%
Balance Computation a method called "average daily balance" (including new purchases).
Purchase APR (Variable APR) 11.25% - 14.25%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.25% - 14.25%
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Mastercard

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