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  OMNI Community Credit Union Platinum Rewards Mastercard Credit Card

OMNI Community Credit Union Platinum Rewards Mastercard Credit Card

in Personal Credit Cards from OMNI Community Credit Union

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OMNI Community Credit Union Platinum Rewards Mastercard Credit Card

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in Personal Credit Cards from OMNI Community Credit Union

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Highlights
Purchase APR  (Variable APR) 9.99 - 15.99
Balance Transfer APR  (Variable APR) 9.99 - 15.99
Credit Score Range 650 - 850
Annual Fee $0

OMNI Community Credit Union Platinum Rewards Mastercard Credit Card Review

This is a rewards credit card issued by OMNI Community Credit Union. If you're wondering whether OMNI Community Credit Union Platinum Rewards Mastercard 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. OMNI Community Credit Union Platinum Rewards Mastercard Credit Card has a variable purchase APR that ranges from 9.99% up to 15.99%.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of OMNI Community Credit Union Platinum Rewards Mastercard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere OMNI Community Credit Union Platinum Rewards Mastercard Credit Card is accepted.
  • OMNI Community Credit Union Platinum Rewards Mastercard 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.
OMNI Community Credit Union Platinum Rewards Mastercard Credit Card FAQ

Does OMNI Community Credit Union Platinum Rewards Mastercard Credit Card have a cash back or rewards program?

OMNI Community Credit Union Platinum Rewards Mastercard Credit Card is a rewards card.

OMNI Community Credit Union Platinum Rewards Mastercard Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does OMNI Community Credit Union Platinum Rewards Mastercard Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does OMNI Community Credit Union Platinum Rewards Mastercard Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the OMNI Community Credit Union Platinum Rewards Mastercard Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for OMNI Community Credit Union Platinum Rewards Mastercard 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 9.99% up to 15.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 15.99%. It also has a variable cash advance APR that ranges from 9.99% up to 15.99%. 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 OMNI Community Credit Union Platinum Rewards Mastercard Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does OMNI Community Credit Union Platinum Rewards Mastercard 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 OMNI Community Credit Union Platinum Rewards Mastercard Credit Card?

The following fees apply:

  • An overlimit fee of $25.
OMNI Community Credit Union Platinum Rewards Mastercard Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee up to $20
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 OMNI Community Credit Union Platinum Rewards Mastercard Credit Card have a foreign transaction fee?

OMNI Community Credit Union Platinum Rewards Mastercard 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 OMNI Community Credit Union Platinum Rewards Mastercard Credit Card?

The OMNI Community Credit Union Platinum Rewards Mastercard Credit Card customer service number is (866) 666-4969.

What is the support contact email for OMNI Community Credit Union Platinum Rewards Mastercard Credit Card?

The support contact email for OMNI Community Credit Union Platinum Rewards Mastercard Credit Card is occu.contactus@omnicommunitycu.org .

Does OMNI Community Credit Union Platinum Rewards Mastercard Credit Card report your account activity to credit bureaus?

Yes, OMNI Community Credit Union Platinum Rewards Mastercard 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 OMNI Community Credit Union Platinum Rewards Mastercard Credit Card

  • Visit the OMNI Community Credit Union Platinum Rewards Mastercard 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 - 5:30pm
  • Saturday 9:00am - 12:00pm

Other Services by OMNI Community Credit Union

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View all personal credit cards offered by OMNI Community 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

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
Over-Limit Fee 25
Returned Payment Fee Up to 20
Late Fee Amount Up to 25
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
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.99 - 15.99
Balance Computation a method called "average daily balance (including new purchases).”
Penalty APR (Variable APR) 18
Purchase APR (Variable APR) 9.99 - 15.99
Balance Transfer APR (Variable APR) 9.99 - 15.99
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
Card Network Mastercard

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