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  Park Community Credit Union Visa Gold Credit Card

Park Community Credit Union Visa Gold Credit Card

in Personal Credit Cards from Park Community Credit Union

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Park Community Credit Union Visa Gold Credit Card

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in Personal Credit Cards from Park Community Credit Union

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Highlights
Purchase APR  (Variable APR) 9.24% - 16.99%
Balance Transfer APR  (Variable APR) 9.24% - 16.99%
Credit Score Range 650 - 850
Annual Fee $0

Park Community Credit Union Visa Gold Credit Card Review

This is a rewards credit card issued by Park Community Credit Union. If you're wondering whether Park Community Credit Union Visa Gold 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Park Community Credit Union Visa Gold Credit Card has a variable purchase APR that ranges from 9.24% up to 16.99%.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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 Park Community Credit Union Visa Gold Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Park Community Credit Union Visa Gold Credit Card is accepted.
  • Park Community Credit Union Visa Gold Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Park Community Credit Union Visa Gold Credit Card FAQ

Does Park Community Credit Union Visa Gold Credit Card have a cash back or rewards program?

Park Community Credit Union Visa Gold Credit Card is a rewards card.

Park Community Credit Union Visa Gold Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Park Community Credit Union Visa Gold Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Park Community Credit Union Visa Gold Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Park Community Credit Union Visa Gold Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Park Community Credit Union Visa Gold 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 9.24% up to 16.99%. The card has a variable balance transfer APR that ranges from 9.24% up to 16.99%. It also has a variable cash advance APR that ranges from 9.24% up to 16.99%.

Does Park Community Credit Union Visa Gold Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Park Community Credit Union Visa Gold Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.24% - 16.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Park Community Credit Union Visa Gold Credit Card have an intro APR offer on new purchases?

Park Community Credit Union Visa Gold Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Park Community Credit Union Visa Gold Credit Card?

The following fees apply:

Park Community Credit Union Visa Gold Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $10
Late Payment Fee up to $15

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

Does Park Community Credit Union Visa Gold Credit Card have a foreign transaction fee?

Park Community Credit Union Visa Gold 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 Park Community Credit Union Visa Gold Credit Card?

The Park Community Credit Union Visa Gold Credit Card customer service number is (502) 968-3681.

What is the support contact email for Park Community Credit Union Visa Gold Credit Card?

The support contact email for Park Community Credit Union Visa Gold Credit Card is marketing@parkcommunity.com.

Does Park Community Credit Union Visa Gold Credit Card report your account activity to credit bureaus?

Yes, Park Community Credit Union Visa Gold 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 Park Community Credit Union Visa Gold Credit Card

  • Visit the Park Community Credit Union Visa Gold 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 Park Community Credit Union Visa Gold Credit Card

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View all personal credit cards offered by Park Community Credit Union

Availability

  Available in 2 states
  • Indiana
  • Kentucky

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $10
Paper Statement Fee $5
Late Fee Amount Up to $15
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.24% - 16.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 9.24% - 16.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.24% - 16.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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