Liberty FCU Platinum Rewards Credit Card
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| Purchase APR (Variable APR) |
11.25% - 18% (Verified 10/18/2022) |
| Balance Transfer APR (Variable APR) |
11.25% - 18% (Verified 10/18/2022) |
| Credit Score Range | 620 - 850 |
| Annual Fee | $0 |
Liberty FCU Platinum Rewards Credit Card Review
This is a rewards card issued by Liberty Federal Credit Union. If you're wondering whether Liberty FCU Platinum Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. Liberty FCU Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.25% up to 18%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 620.
Pros & Cons of Liberty FCU Platinum Rewards Credit Card
| The Good | The Bad |
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Liberty FCU Platinum Rewards Credit Card FAQ
Does Liberty FCU Platinum Rewards Credit Card have a cash back or rewards program?
Liberty FCU Platinum Rewards Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus ($) |
Does Liberty FCU Platinum Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Liberty FCU Platinum Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Liberty FCU Platinum Rewards Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Liberty FCU Platinum Rewards 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. This card has lower than average regular APRs.Liberty FCU Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.25% up to 18%. The card has a variable balance transfer APR that ranges from 11.25% up to 18%. It also has a variable cash advance APR that ranges from 11.25% up to 18%. 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 Liberty FCU Platinum Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 11.25% - 18% |
| Balance Transfer Fee % | 0% |
Does Liberty FCU Platinum Rewards Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 1.99% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 6 months.
What are the fees for Liberty FCU Platinum Rewards Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $27 |
| Late Payment Fee | up to $27 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Liberty FCU Platinum Rewards Credit Card have a foreign transaction fee?
Liberty FCU Platinum Rewards 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 Liberty FCU Platinum Rewards Credit Card?
The Liberty FCU Platinum Rewards Credit Card customer service number is (812) 477-92718.
What is the Liberty FCU Platinum Rewards Credit Card login page?
You can access the Liberty FCU Platinum Rewards Credit Card login page here.
How do people rate the customer service and user experience of Liberty FCU Platinum Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Liberty FCU Platinum Rewards Credit Card report your account activity to credit bureaus?
Yes, Liberty FCU Platinum Rewards 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 Liberty FCU Platinum Rewards Credit Card
- Visit the Liberty FCU Platinum Rewards 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.
Contact
- Headquarters
-
4401 Theater Dr
Evansville, IN 47715 - (812) 477-92718
- Visit Site
Other Services by Liberty Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 1.99% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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