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  McCoy Federal Credit Union Visa Platinum Low Rate
McCoy Federal Credit Union Visa Platinum Low Rate Unaffiliated

McCoy Federal Credit Union Visa Platinum Low Rate

Unaffiliated
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Highlights
Purchase APR  (Variable APR) Starting at 8.5%
Balance Transfer APR  (Variable APR) Starting at 8.5%
Credit Score Range 600 - 850
Annual Fee $0

McCoy Federal Credit Union Visa Platinum Low Rate Review

This is a credit card issued by McCoy Federal Credit Union. If you're wondering whether McCoy Federal Credit Union Visa Platinum Low Rate is the right card for you, read on.

Key Takeaways

  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.5% 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 McCoy Federal Credit Union Visa Platinum Low Rate

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair credit.
  • McCoy Federal Credit Union Visa Platinum Low Rate reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.5%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

McCoy Federal Credit Union Visa Platinum Low Rate FAQ

Does McCoy Federal Credit Union Visa Platinum Low Rate have a cash back or rewards program?

No, it does not offer a rewards program.

What are the McCoy Federal Credit Union Visa Platinum Low Rate benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for McCoy Federal Credit Union Visa Platinum Low Rate?

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.

McCoy Federal Credit Union Visa Platinum Low Rate has a variable purchase APR starting at 8.5% . The card has a variable balance transfer APR starting at 8.5% . It also has a variable cash advance APR starting at 8.5% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does McCoy Federal Credit Union Visa Platinum Low Rate have an intro APR offer on balance transfers?

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

Does McCoy Federal Credit Union Visa Platinum Low Rate 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 McCoy Federal Credit Union Visa Platinum Low Rate?

The following fees apply:

  • There is no overlimit fee
McCoy Federal Credit Union Visa Platinum Low Rate Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $0
Foreign Transaction Fee 1.5%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does McCoy Federal Credit Union Visa Platinum Low Rate have a foreign transaction fee?

McCoy Federal Credit Union Visa Platinum Low Rate charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. 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 McCoy Federal Credit Union Visa Platinum Low Rate?

The McCoy Federal Credit Union Visa Platinum Low Rate customer service number is (407) 855-5452.

What is the support contact email for McCoy Federal Credit Union Visa Platinum Low Rate?

The support contact email for McCoy Federal Credit Union Visa Platinum Low Rate is mccoy@mccoyfcu.org.

What is the McCoy Federal Credit Union Visa Platinum Low Rate login page?

You can access the McCoy Federal Credit Union Visa Platinum Low Rate login page here.

How do people rate the customer service and user experience of McCoy Federal Credit Union Visa Platinum Low Rate?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does McCoy Federal Credit Union Visa Platinum Low Rate report your account activity to credit bureaus?

Yes, McCoy Federal Credit Union Visa Platinum Low Rate 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 McCoy Federal Credit Union Visa Platinum Low Rate

  • Visit the McCoy Federal Credit Union Visa Platinum Low Rate 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 - 3:00am
  • Saturday Closed

Other Services by McCoy Federal Credit Union

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View all credit cards offered by McCoy Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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 $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Initial Program Fee $0
Foreign Currency Transaction Fee 1.5%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
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
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 8.5%
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 8.5%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) Starting at 8.5%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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