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  Palmetto Citizens FCU Visa Credit Card
Palmetto Citizens FCU Visa Credit Card
in Credit Cards from Palmetto Citizens Federal Credit Union
Unaffiliated

Palmetto Citizens FCU Visa Credit Card

Unaffiliated
in Credit Cards from Palmetto Citizens Federal Credit Union
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  
Purchase APR  (Variable APR) 9.9% - 15.5%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 9.9% - 15.5%
(Verified 08/04/2023)
Credit Score Range 650 - 850
Annual Fee $0

Palmetto Citizens FCU Visa Credit Card Review

This is a rewards card issued by Palmetto Citizens Federal Credit Union. If you're wondering whether Palmetto Citizens FCU Visa Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Palmetto Citizens FCU Visa Credit Card has a variable purchase APR that ranges from 9.9% up to 15.5%.
  • 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 Palmetto Citizens FCU Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Offers Auto Rental Collision Damage Waiver.
  • Cardholders can earn rewards on purchases everywhere Palmetto Citizens FCU Visa Credit Card is accepted.
  • Palmetto Citizens FCU Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Palmetto Citizens FCU Visa Credit Card FAQ

Does Palmetto Citizens FCU Visa Credit Card have a cash back or rewards program?

Palmetto Citizens FCU Visa Credit Card is a rewards card.

Palmetto Citizens FCU Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Palmetto Citizens FCU Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Palmetto Citizens FCU Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Palmetto Citizens FCU Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Palmetto Citizens FCU Visa 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.

Palmetto Citizens FCU Visa Credit Card has a variable purchase APR that ranges from 9.9% up to 15.5%. The card has a variable balance transfer APR that ranges from 9.9% up to 15.5%. It also has a variable cash advance APR that ranges from 9.9% up to 15.5%.

Does Palmetto Citizens FCU Visa Credit Card have an intro APR offer on balance transfers?

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

Does Palmetto Citizens FCU 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 Palmetto Citizens FCU Visa Credit Card?

The following fees apply:

  • An overlimit fee of $15.
Palmetto Citizens FCU Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $15
Initial Program Fee $
Foreign Transaction Fee 1%
Returned Payment Fee $24.5
Late Payment Fee Starting at 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 Palmetto Citizens FCU Visa Credit Card have a foreign transaction fee?

Palmetto Citizens FCU Visa 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 Palmetto Citizens FCU Visa Credit Card?

The Palmetto Citizens FCU Visa Credit Card customer service number is (803) 732-5000.

What is the support contact email for Palmetto Citizens FCU Visa Credit Card?

The support contact email for Palmetto Citizens FCU Visa Credit Card is pcfcu@palmettocitizens.org.

What is the Palmetto Citizens FCU Visa Credit Card login page?

You can access the Palmetto Citizens FCU Visa Credit Card login page here.

How do people rate the customer service and user experience of Palmetto Citizens FCU Visa Credit Card?

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

Does Palmetto Citizens FCU Visa Credit Card report your account activity to credit bureaus?

Yes, Palmetto Citizens FCU 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 Palmetto Citizens FCU Visa Credit Card

  • Visit the Palmetto Citizens FCU 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.

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 Palmetto Citizens FCU Visa Credit Card

View Palmetto Citizens Federal Credit Union Profile

Availability

  Available in 1 state
South Carolina
Availabile in all of South Carolina

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $15
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $24.50
Paper Statement Fee $3
Late Fee Amount Up to $25
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.9% - 15.5%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 9.9% - 15.5%
(Verified 08/04/2023)
Balance Transfer APR (Variable APR) 9.9% - 15.5%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

Palmetto Citizens FCU Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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