Last Updated: 07/28/2025
Oakland University Credit Union Platinum Visa Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.9% - 17.9%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
9.9% - 17.9%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Oakland University Credit Union Platinum Visa Credit Card Review
This is a card issued by Oakland University Credit Union. If you're wondering whether Oakland University Credit Union Platinum Visa Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- APRs: Oakland University Credit Union Platinum Visa Credit Card has a fixed purchase APR that ranges from 9.9% up to 17.9%.
- 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.
- No intro balance transfer fee. Oakland University Credit Union Platinum Visa Credit 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 up to 1.0% every time you make a transaction outside the U.S.
Pros & Cons of Oakland University Credit Union Platinum Visa Credit Card
| The Good | The Bad |
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Oakland University Credit Union Platinum Visa Credit Card FAQ
Does Oakland University Credit Union Platinum Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Oakland University Credit Union Platinum 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 Visa Credit Card has a fixed purchase APR that ranges from 9.9% up to 17.9%. The card has a fixed balance transfer APR that ranges from 9.9% up to 17.9%. It also has a fixed cash advance APR that ranges from 9.9% 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 Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.9% - 17.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Period | 6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Oakland University Credit Union Platinum 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 Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Oakland University Credit Union Platinum Visa Credit Card have a foreign transaction fee?
Oakland University Credit Union Platinum Visa Credit Card charges a foreign transaction fee of up to 1.0%. 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 Oakland University Credit Union Platinum Visa Credit Card?
The customer service number for Oakland University Credit Union Platinum Visa Credit Card is .
What is the login page for Oakland University Credit Union Platinum Visa Credit Card?
You can access the login page of Oakland University Credit Union Platinum Visa Credit Card here.
How do people rate the customer service and user experience of Oakland University Credit Union Platinum 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 Visa Credit Card report your account activity to credit bureaus?
Yes, Oakland University Credit Union Platinum 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 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 Visa Credit Card
- Visit the website of Oakland University Credit Union Platinum 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.
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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