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  Nusenda Credit Union Platinum Cash Rewards Credit Card

Nusenda Credit Union Platinum Cash Rewards Credit Card

in Personal Credit Cards from Nusenda Credit Union

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Nusenda Credit Union Platinum Cash Rewards Credit Card

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in Personal Credit Cards from Nusenda Credit Union

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Highlights
Purchase APR  (Variable APR) 11 - 13
Balance Transfer APR  (Variable APR) 11 - 13
Credit Score Range 650 - 850
Annual Fee $0

Nusenda Credit Union Platinum Cash Rewards Credit Card Review

This is a cashback credit card issued by Nusenda Credit Union. If you're wondering whether Nusenda Credit Union Platinum Cash Rewards Credit Card 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.

Key Takeaways
  • Competitive APRs. Nusenda Credit Union Platinum Cash Rewards Credit Card has a variable purchase APR that ranges from 11% up to 13%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Nusenda Credit Union Platinum Cash Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 5%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • Nusenda Credit Union Platinum Cash Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Nusenda Credit Union Platinum Cash Rewards Credit Card FAQ

Does Nusenda Credit Union Platinum Cash Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Nusenda Credit Union Platinum Cash Rewards Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Nusenda Credit Union Platinum Cash Rewards 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11% up to 13%. The card has a variable balance transfer APR that ranges from 11% up to 13%. It also has a variable cash advance APR that ranges from 11% up to 13%. Note that late payments are subject to an APR of 18% 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 Nusenda Credit Union Platinum Cash Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 5% for a period of up to 6 months.

Nusenda Credit Union Platinum Cash Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 5
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 11 - 13
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0

Does Nusenda Credit Union Platinum Cash Rewards 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 Nusenda Credit Union Platinum Cash Rewards Credit Card?

The following fees apply:

Nusenda Credit Union Platinum Cash Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $26
Late Payment Fee $27 - $35

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

Does Nusenda Credit Union Platinum Cash Rewards Credit Card have a foreign transaction fee?

Nusenda Credit Union Platinum Cash Rewards 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 Nusenda Credit Union Platinum Cash Rewards Credit Card?

The Nusenda Credit Union Platinum Cash Rewards Credit Card customer service number is (505) 889-7755.

Does Nusenda Credit Union Platinum Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, Nusenda Credit Union Platinum Cash Rewards 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 Nusenda Credit Union Platinum Cash Rewards Credit Card

  • Visit the Nusenda Credit Union Platinum Cash Rewards 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 - 6:00pm
  • Saturday 9:00am - 1:00pm

About Nusenda Credit Union Platinum Cash Rewards Credit Card

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View all personal credit cards offered by Nusenda 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

Every Purchase (Points) Earn 1% cash back on all purchases, and 5% cash back on purchases in quarterly rotating categories.
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum 2
Cash Advance Fee (%) 1
Minimum Cash Advance Fee ($) 2 - 20
Foreign Currency Transaction Fee 1
Minimum Interest Charge 1
Returned Payment Fee Up to 26
Late Fee Amount 27 - 35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Fraud Liability
  • Travel Assistance
  • Concierge
Rewards Rates
  • Gas
  • Groceries
  • Home Improvement Purchases
  • Hotels
  • Restaurants
  • Every Purchase
Cash Advance APR (Variable APR) 11 - 13
Penalty APR (Variable APR) 18
Purchase APR (Variable APR) 11 - 13
Balance Transfer Introductory APR (Variable APR) 5
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 11 - 13
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Cashback
Card Network Visa

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