Last Updated: 07/28/2025
Journey Federal CU VISA® Platinum Classic Secured
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Fixed APR)
12.99%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
12.99%(Verified 06/21/2024)
Credit Score Range
570 - 850
Annual Fee
$0
Journey Federal CU VISA® Platinum Classic Secured Review
This is a secured credit card issued by Journey Federal Credit Union. If you're wondering whether Journey Federal CU VISA® Platinum Classic Secured is the right card for you, read on.
Key Takeaways
- APRs: Journey Federal CU VISA® Platinum Classic Secured has a fixed purchase APR of 12.99%
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Journey Federal CU VISA® Platinum Classic Secured
| The Good | The Bad |
|
|
Journey Federal CU VISA® Platinum Classic Secured FAQ
Does Journey Federal CU VISA® Platinum Classic Secured have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Journey Federal CU VISA® Platinum Classic Secured?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Journey Federal CU VISA® Platinum Classic Secured has a fixed purchase APR of 12.99%. The card has a fixed balance transfer APR of 12.99% . It also has a fixed cash advance APR of 12.99% .
Does Journey Federal CU VISA® Platinum Classic Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Journey Federal CU VISA® Platinum Classic Secured 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 Journey Federal CU VISA® Platinum Classic Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Journey Federal CU VISA® Platinum Classic Secured?
The customer service number for Journey Federal CU VISA® Platinum Classic Secured is (989) 227-3700.
What is the support contact email for Journey Federal CU VISA® Platinum Classic Secured?
The support contact email for Journey Federal CU VISA® Platinum Classic Secured is staff@journeyfcu.org.
What is the login page for Journey Federal CU VISA® Platinum Classic Secured?
You can access the login page of Journey Federal CU VISA® Platinum Classic Secured here.
How do people rate the customer service and user experience of Journey Federal CU VISA® Platinum Classic Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Journey Federal CU VISA® Platinum Classic Secured report your account activity to credit bureaus?
Yes, Journey Federal CU VISA® Platinum Classic Secured reports to the following credit bureaus:
- 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 build your credit.
Does Journey Federal Credit Union perform a hard credit pull?
Yes, Journey Federal CU VISA® Platinum Classic Secured performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Journey Federal CU VISA® Platinum Classic Secured
- Visit the website of Journey Federal CU VISA® Platinum Classic Secured.
- 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.
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