MobilOil Credit Union Visa Platinum
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| Purchase APR (Variable APR) | 9.15% - 17.15% |
| Balance Transfer APR (Variable APR) | Starting at 5.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
MobilOil Credit Union Visa Platinum Review
This is a card issued by MobilOil Credit Union. If you're wondering whether MobilOil Credit Union Visa Platinum is the right card for you, read on.
Key Takeaways
- Competitive APRs. MobilOil Credit Union Visa Platinum has a variable purchase APR that ranges from 9.15% up to 17.15%.
- 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.
- 1% Balance transfer fee. MobilOil Credit Union Visa Platinum charges a fee of 1% on balance transfers. For example, a balance of $1,000 could cost $10 in transfer fees. The minimum fee is $5.
- 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 MobilOil Credit Union Visa Platinum
| The Good | The Bad |
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MobilOil Credit Union Visa Platinum FAQ
Does MobilOil Credit Union Visa Platinum have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for MobilOil Credit Union Visa Platinum?
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.MobilOil Credit Union Visa Platinum has a variable purchase APR that ranges from 9.15% up to 17.15%. The card has a variable balance transfer APR starting at 5.9% . It also has a variable cash advance APR that ranges from 9.15% up to 17.15%. Note that late payments are subject to an APR of 9.15% 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 MobilOil Credit Union Visa Platinum have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 1% |
| Balance Transfer Introductory APR | 2.99% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | Starting at 5.9% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 1% |
Does MobilOil Credit Union Visa Platinum have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 2.99% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 6 months.
What are the fees for MobilOil Credit Union Visa Platinum?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $30 |
| 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 MobilOil Credit Union Visa Platinum have a foreign transaction fee?
MobilOil Credit Union Visa Platinum 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 MobilOil Credit Union Visa Platinum?
The MobilOil Credit Union Visa Platinum customer service number is (800) 892-1111.
What is the support contact email for MobilOil Credit Union Visa Platinum?
The support contact email for MobilOil Credit Union Visa Platinum is mofcu@mofcu.org.
What is the MobilOil Credit Union Visa Platinum login page?
You can access the MobilOil Credit Union Visa Platinum login page here.
How do people rate the customer service and user experience of MobilOil Credit Union Visa Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MobilOil Credit Union Visa Platinum report your account activity to credit bureaus?
Yes, MobilOil Credit Union Visa Platinum 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 MobilOil Credit Union Visa Platinum
- Visit the MobilOil Credit Union Visa Platinum 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
-
1810 North Major Drive Beaumont, TX 77713
Beaumont, TX 77713 USA - (800) 892-1111
- Visit Site
- Email Support
About MobilOil Credit Union Visa Platinum
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 | 2.99% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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