Pacific Service CU Visa Platinum Credit Card

Pacific Service CU Visa Platinum Credit Card Review

This is a rewards card issued by Pacific Service Credit Union. If you're wondering whether Pacific Service CU Visa Platinum Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Pacific Service CU Visa Platinum Credit Card has a variable purchase APR that ranges from 7.25% up to 12.25%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Pacific Service CU Visa Platinum Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.99%. No balance transfer fee. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases. Pacific Service CU Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. You don't earn rewards on every purchase.

Pacific Service CU Visa Platinum Credit Card FAQ

Does Pacific Service CU Visa Platinum Credit Card have a cash back or rewards program?

Pacific Service CU Visa Platinum Credit Card is a rewards card.

Pacific Service CU Visa Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Pacific Service CU Visa Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Pacific Service CU Visa Platinum 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. This card has lower than average regular APRs.

Pacific Service CU Visa Platinum Credit Card has a variable purchase APR that ranges from 7.25% up to 12.25%. The card has a variable balance transfer APR that ranges from 7.25% up to 12.25%. It also has a variable cash advance APR that ranges from 7.25% up to 12.25%.

What are the fees for Pacific Service CU Visa Platinum Credit Card?

The following fees apply:

Pacific Service CU Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	0%
Returned Payment Fee	Starting at $ up to $25
Late Payment Fee	$10

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

Does Pacific Service CU Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Pacific Service CU Visa Platinum 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 Pacific Service CU Visa Platinum Credit Card

• Visit the Pacific Service CU Visa Platinum 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.