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  Marine Federal Credit Union VISA Platinum Cash-Back

Marine Federal Credit Union VISA Platinum Cash-Back

in Personal Credit Cards from Marine Federal Credit Union

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Marine Federal Credit Union VISA Platinum Cash-Back

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in Personal Credit Cards from Marine Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.24% - 18%
Balance Transfer APR  (Variable APR) 9.24% - 18%
Credit Score Range 600 - 850
Annual Fee $0

Marine Federal Credit Union VISA Platinum Cash-Back Review

This is a cashback credit card issued by Marine Federal Credit Union. If you're wondering whether Marine Federal Credit Union VISA Platinum Cash-Back 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. Marine Federal Credit Union VISA Platinum Cash-Back has a variable purchase APR that ranges from 9.24% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Marine Federal Credit Union VISA Platinum Cash-Back charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.8% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Marine Federal Credit Union VISA Platinum Cash-Back
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Marine Federal Credit Union VISA Platinum Cash-Back reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2.8%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Marine Federal Credit Union VISA Platinum Cash-Back FAQ

Does Marine Federal Credit Union VISA Platinum Cash-Back have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the relevant APRs for Marine Federal Credit Union VISA Platinum Cash-Back?

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 variable purchase APR that ranges from 9.24% up to 18%. The card has a variable balance transfer APR that ranges from 9.24% up to 18%. It also has a variable cash advance APR starting at 11.24% . 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 Marine Federal Credit Union VISA Platinum Cash-Back have an intro APR offer on balance transfers?

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

Does Marine Federal Credit Union VISA Platinum Cash-Back 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 Marine Federal Credit Union VISA Platinum Cash-Back?

The following fees apply:

Marine Federal Credit Union VISA Platinum Cash-Back Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2.8%
Returned Payment Fee up to $25
Late Payment Fee $27 - $35

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

Does Marine Federal Credit Union VISA Platinum Cash-Back have a foreign transaction fee?

Marine Federal Credit Union VISA Platinum Cash-Back charges a foreign transaction fee of 2.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $56. 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 Marine Federal Credit Union VISA Platinum Cash-Back?

The Marine Federal Credit Union VISA Platinum Cash-Back customer service number is (800) 225-3967.

What is the support contact email for Marine Federal Credit Union VISA Platinum Cash-Back?

The support contact email for Marine Federal Credit Union VISA Platinum Cash-Back is marinefederal@marinefederal.org.

Does Marine Federal Credit Union VISA Platinum Cash-Back report your account activity to credit bureaus?

Yes, Marine Federal Credit Union VISA Platinum Cash-Back 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 Marine Federal Credit Union VISA Platinum Cash-Back

  • Visit the Marine Federal Credit Union VISA Platinum Cash-Back 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 6:00am - 2:00am
  • Tuesday 6:00am - 2:00am
  • Wednesday 6:00am - 2:00am
  • Thursday 6:00am - 2:00am
  • Friday 6:00am - 2:00am
  • Saturday Closed

About Marine Federal Credit Union VISA Platinum Cash-Back

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Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2.8%
Returned Payment Fee Up to $25
Late Fee Amount $27 - $35
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 11.24%
Balance Computation Average Daily Balance (including new purchases )
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.24% - 18%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer APR (Variable APR) 9.24% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Cashback
Card Network Visa

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