MAX Credit Union Platinum Visa
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| Purchase APR (Variable APR) | 6.49% - 18% |
| Balance Transfer APR (Variable APR) | 6.49% - 18% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
MAX Credit Union Platinum Visa Review
This is a credit card issued by MAX Credit Union. If you're wondering whether MAX Credit Union Platinum Visa 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 6 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. MAX Credit Union Platinum Visa has a variable purchase APR that ranges from 6.49% up to 18%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- 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 600.
Pros & Cons of MAX Credit Union Platinum Visa
| The Good | The Bad |
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MAX Credit Union Platinum Visa FAQ
Does MAX Credit Union Platinum Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the MAX Credit Union Platinum Visa benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for MAX Credit Union Platinum Visa?
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.MAX Credit Union Platinum Visa has a variable purchase APR that ranges from 6.49% up to 18%. The card has a variable balance transfer APR that ranges from 6.49% up to 18%. It also has a variable cash advance APR that ranges from 6.49% up to 18%.
Does MAX Credit Union Platinum Visa 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 Fee % After Intro Period | Starting at 0% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 6.49% - 18% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does MAX Credit Union Platinum Visa 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 MAX Credit Union Platinum Visa?
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 $30 |
| Late Payment Fee | $0.50 - $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does MAX Credit Union Platinum Visa have a foreign transaction fee?
MAX Credit Union Platinum Visa 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 MAX Credit Union Platinum Visa?
The MAX Credit Union Platinum Visa customer service number is (334) 260-2600.
What is the support contact email for MAX Credit Union Platinum Visa?
The support contact email for MAX Credit Union Platinum Visa is smartmoney@mymax.com.
What is the MAX Credit Union Platinum Visa login page?
You can access the MAX Credit Union Platinum Visa login page here.
How do people rate the customer service and user experience of MAX Credit Union Platinum Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MAX Credit Union Platinum Visa report your account activity to credit bureaus?
Yes, MAX Credit Union Platinum Visa 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 MAX Credit Union Platinum Visa
- Visit the MAX Credit Union Platinum Visa 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
-
400 Eastdale Circle, Montgomery, AL, 36117
Montgomery, AL 36117 USA - (334) 260-2600
- Visit Site
- Email Support
Other Services by MAX Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | Starting at 0% |
| Minimum Cash Advance Fee ($) | Starting at $0 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $30 |
| Late Fee Amount | $0.50 - $25 |
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