OnPoint Community Credit Union Platinum Visa Credit Card Review

This is a credit card issued by On Point Community Credit Union. If you're wondering whether OnPoint Community Credit Union Platinum Visa 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.

• Competitive APRs. OnPoint Community Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 8% up to 18.50%.
• 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.
• 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 oods if your credit score is above600.

Does OnPoint Community Credit Union Platinum Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the OnPoint Community Credit Union Platinum Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for OnPoint Community Credit Union Platinum Visa Credit Card?

It has a variable purchase APR that ranges from 8% up to 18.50%. The card has a variable balance transfer APR that ranges from 10% up to 20.50%. It also has a variable cash advance APR that ranges from 10% up to 20.50%. Note that late payments are subject to an APR of 3% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for OnPoint Community Credit Union Platinum Visa Credit Card?

The following fees apply:

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

Does OnPoint Community Credit Union Platinum Visa Credit Card report your account activity to credit bureaus?

Yes, OnPoint Community Credit Union Platinum Visa 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 OnPoint Community Credit Union Platinum Visa Credit Card

• Visit the OnPoint Community Credit Union Platinum Visa 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.