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. This review will provide you with with all the details you need to make a good choice.

• 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.

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. No annual fee. Offers auto rental collision damage waiver. Identity Theft Protection. Travel accident insurance. Considers applicants with fair or poor credit. MAX Credit Union Platinum Visa reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

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%.

What are the fees for MAX Credit Union Platinum Visa?

The following fees apply:

• There is no overlimit fee

MAX Credit Union Platinum Visa Fees

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 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.