Interra Credit Union Platinum Elite Credit Card

Interra Credit Union Platinum Elite Credit Card Review

This is a rewards 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.

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.

Pros & Cons of Interra Credit Union Platinum Elite Credit Card

Interra Credit Union Platinum Elite Credit Card FAQ

Does Interra Credit Union Platinum Elite Credit Card have a cash back or rewards program?

Interra Credit Union Platinum Elite Credit Card is a rewards card.

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

It 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?

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%.

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

The following fees apply:

• There is no overlimit fee

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

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.