Last Updated: 07/28/2025
Oakland University Credit Union Platinum Plus Visa Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
13.9% - 17.9%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
13.9% - 17.9%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
N/A
Oakland University Credit Union Platinum Plus Visa Credit Card Review
This is a cashback credit card issued by Oakland University Credit Union. If you're wondering whether Oakland University Credit Union Platinum Plus Visa Credit Card is the right card for you, read on.
Key Takeaways
- $50 Welcome Offer
- APRs: Oakland University Credit Union Platinum Plus Visa Credit Card has a fixed purchase APR that ranges from 13.9% up to 17.9%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of Oakland University Credit Union Platinum Plus Visa Credit Card
| The Good | The Bad |
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Oakland University Credit Union Platinum Plus Visa Credit Card FAQ
Does Oakland University Credit Union Platinum Plus Visa 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Oakland University Credit Union Platinum Plus Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Oakland University Credit Union Platinum Plus Visa Credit Card has a fixed purchase APR that ranges from 13.9% up to 17.9%. The card has a fixed balance transfer APR that ranges from 13.9% up to 17.9%. It also has a fixed cash advance APR that ranges from 13.9% up to 17.9%.
Note that late payments are subject to an APR of 17.9% 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 Oakland University Credit Union Platinum Plus Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Oakland University Credit Union Platinum Plus Visa 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 Oakland University Credit Union Platinum Plus Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Oakland University Credit Union Platinum Plus Visa Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.How do people rate the customer service and user experience of Oakland University Credit Union Platinum Plus Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Oakland University Credit Union Platinum Plus Visa Credit Card report your account activity to credit bureaus?
Yes, Oakland University Credit Union Platinum Plus Visa Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Oakland University Credit Union perform a hard credit pull?
Yes, Oakland University Credit Union Platinum Plus Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Oakland University Credit Union Platinum Plus Visa Credit Card
- Visit the website of Oakland University Credit Union Platinum Plus Visa Credit Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
Other Services by Oakland University Credit Union
Other Credit Cards from Oakland University Credit Union
Rating not yet determined
Purchase APR
9.9% - 17.9%
Disclaimer popup with additional information
Balance Transfer APR
9.9% - 17.9%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
14.9% - 17.9%
Disclaimer popup with additional information
Balance Transfer APR
14.9% - 17.9%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$99
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Learn MoreSuperMoney Net Recommendation Score
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