Numerica Credit Union Visa Platinum Credit Card
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| Purchase APR (Variable APR) |
8.24 - 17.24 (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
8.24 - 17.24 (Verified 08/04/2023) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Numerica Credit Union Visa Platinum Credit Card Review
This is a rewards card issued by Numerica Credit Union. If you're wondering whether Numerica Credit Union Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Numerica Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 8.24% up to 17.24%.
- 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.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Numerica Credit Union Visa Platinum Credit Card
| The Good | The Bad |
|---|---|
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Numerica Credit Union Visa Platinum Credit Card FAQ
Does Numerica Credit Union Visa Platinum Credit Card have a cash back or rewards program?
Numerica Credit Union Visa Platinum Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Numerica Credit Union Visa Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Numerica Credit Union Visa Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Numerica Credit Union Visa Platinum Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Numerica 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.Numerica Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 8.24% up to 17.24%. The card has a variable balance transfer APR that ranges from 8.24% up to 17.24%. It also has a variable cash advance APR that ranges from 11.24% up to 17.90%. Note that late payments are subject to an APR of 17.90% 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 Numerica Credit Union Visa Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Numerica Credit Union Visa Platinum Credit Card 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 Numerica Credit Union Visa Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | Starting at $ up to $25 |
| Late Payment Fee | Starting at 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 Numerica Credit Union Visa Platinum Credit Card have a foreign transaction fee?
Numerica 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 Numerica Credit Union Visa Platinum Credit Card?
The Numerica Credit Union Visa Platinum Credit Card customer service number is (800) 433-1837.
What is the support contact email for Numerica Credit Union Visa Platinum Credit Card?
The support contact email for Numerica Credit Union Visa Platinum Credit Card is ncumemberservice@numericacu.com.
What is the Numerica Credit Union Visa Platinum Credit Card login page?
You can access the Numerica Credit Union Visa Platinum Credit Card login page here.
How do people rate the customer service and user experience of Numerica Credit Union Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Numerica Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Numerica 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 Numerica Credit Union Visa Platinum Credit Card
- Visit the Numerica 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.
Contact
- Headquarters
-
14610 E Sprague Avenue
Spokane Valley, WA 99216 USA - (800) 433-1837
- Visit Site
- Email Support
About Numerica Credit Union Visa Platinum Credit Card
Other Credit Cards by Numerica Credit Union
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
| Cash Advance Fee Minimum | 0.75 |
| Minimum Cash Advance Fee ($) | Up to 0.75 |
| Foreign Currency Transaction Fee | 1 |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to 25 |
| Late Fee Amount | Up to 25 |
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