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  Pacific Service CU Visa Platinum Credit Card
Pacific Service CU Visa Platinum Credit Card Unaffiliated

Pacific Service CU Visa Platinum Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 7.25% - 12.25%
Balance Transfer APR  (Variable APR) 7.25% - 12.25%
Credit Score Range 650 - 850
Annual Fee $0

Pacific Service CU Visa Platinum Credit Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

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.
  • Does not include many credit card benefits.

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

Does Pacific Service CU Visa Platinum Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Pacific Service CU Visa Platinum Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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%.

Does Pacific Service CU Visa Platinum Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 3.99%

Pacific Service CU Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 3.99%
Balance Transfer APR 7.25% - 12.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Pacific Service CU Visa Platinum 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 Pacific Service CU Visa Platinum Credit Card?

The following fees apply:

Pacific Service CU Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee 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 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.

What is the customer service phone number for Pacific Service CU Visa Platinum Credit Card?

The Pacific Service CU Visa Platinum Credit Card customer service number is (855) 546-0604.

What is the support contact email for Pacific Service CU Visa Platinum Credit Card?

The support contact email for Pacific Service CU Visa Platinum Credit Card is service@pacificservice.org.

What is the Pacific Service CU Visa Platinum Credit Card login page?

You can access the Pacific Service CU Visa Platinum Credit Card login page here.

How do people rate the customer service and user experience of Pacific Service CU Visa Platinum Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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 - 6:00pm
  • Saturday Closed

About Pacific Service CU Visa Platinum Credit Card

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View all credit cards offered by Pacific Service Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount $10
Customer Type Personal
Minimum Age 18
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 Type Points
Cash Advance APR (Variable APR) 7.25% - 12.25%
Balance Computation Average Daily Balance (Including Current Transactions)
Purchase APR (Variable APR) 7.25% - 12.25%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer APR (Variable APR) 7.25% - 12.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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