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  NRL Federal Credit Union Visa Platinum Credit Card
NRL Federal Credit Union Visa Platinum Credit Card
in Credit Cards from NRL Federal Credit Union
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NRL Federal Credit Union Visa Platinum Credit Card

Unaffiliated
in Credit Cards from NRL Federal Credit Union
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Highlights
Purchase APR  (Fixed APR) 11.9
Balance Transfer APR  (Fixed APR) 11.9
Credit Score Range 650 - 850
Annual Fee $0

NRL Federal Credit Union Visa Platinum Credit Card Review

This is a rewards card issued by NRL Federal Credit Union. If you're wondering whether NRL Federal Credit Union Visa Platinum Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. NRL Federal Credit Union Visa Platinum Credit Card has a fixed purchase APR of 11.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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.
  • 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 650.

Pros & Cons of NRL Federal Credit Union Visa Platinum Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 6.9%.
  • No balance transfer fee.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere NRL Federal Credit Union Visa Platinum Credit Card is accepted.
  • NRL Federal Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.

NRL Federal Credit Union Visa Platinum Credit Card FAQ

Does NRL Federal Credit Union Visa Platinum Credit Card have a cash back or rewards program?

NRL Federal Credit Union Visa Platinum Credit Card is a rewards card.

NRL Federal Credit Union Visa Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does NRL Federal Credit Union Visa Platinum Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does NRL Federal Credit Union Visa Platinum Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the NRL Federal Credit Union Visa Platinum Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for NRL Federal Credit Union Visa Platinum Credit Card?

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.

NRL Federal Credit Union Visa Platinum Credit Card has a fixed purchase APR of 11.9%. The card has a fixed balance transfer APR of 11.9% . It also has a fixed cash advance APR of 11.9% .

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

Does NRL Federal Credit Union Visa Platinum Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 6.9% for a period of up to 6 months.

NRL Federal Credit Union Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 6.9
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 11.9
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0

Does NRL Federal Credit Union Visa Platinum Credit Card have an intro APR offer on new purchases?

NRL Federal Credit Union Visa Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 6.9
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 6.9% on qualified purchases for a period of up to 6 months.

What are the fees for NRL Federal Credit Union Visa Platinum Credit Card?

The following fees apply:

  • There is no overlimit fee
NRL Federal Credit Union Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $0
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 rewards card.

Does NRL Federal Credit Union Visa Platinum Credit Card have a foreign transaction fee?

NRL Federal Credit Union Visa Platinum Credit Card 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 NRL Federal Credit Union Visa Platinum Credit Card?

The NRL Federal Credit Union Visa Platinum Credit Card customer service number is (800) 526-6661.

What is the support contact email for NRL Federal Credit Union Visa Platinum Credit Card?

The support contact email for NRL Federal Credit Union Visa Platinum Credit Card is info@nrlfcu.org.

What is the NRL Federal Credit Union Visa Platinum Credit Card login page?

You can access the NRL Federal Credit Union Visa Platinum Credit Card login page here.

How do people rate the customer service and user experience of NRL Federal Credit Union Visa Platinum Credit Card?

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

Does NRL Federal Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, NRL Federal Credit Union Visa Platinum Credit Card 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 NRL Federal Credit Union Visa Platinum Credit Card

  • Visit the NRL Federal Credit Union Visa Platinum Credit Card 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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

About NRL Federal Credit Union Visa Platinum Credit Card

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View all credit cards offered by NRL Federal Credit Union
View NRL Federal Credit Union Profile

Availability

  Available in 50 states and Washington, D.C.
  • 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 6.9
Purchase Intro APR Period (Fixed APR) 6 months
Cash Advance Fee Minimum 0
Cash Advance Fee (%) 0
Minimum Cash Advance Fee ($) 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 0
Additional Card Fee Amount 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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 11.9
APR Type Fixed APR
Balance Computation a method called “average daily balance” (excluding new purchases). M
Penalty APR (Fixed APR) 0
Purchase APR (Fixed APR) 11.9
Balance Transfer Introductory APR (Fixed APR) 6.9
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 11.9
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.