Last Updated: 07/28/2025
Penn State FCU Visa Platinum Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
8.90% - 17.90%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
8.90% - 17.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Penn State FCU Visa Platinum Rewards Credit Card Review
This is a cashback credit card issued by Penn State Federal Credit Union. If you're wondering whether Penn State FCU Visa Platinum Rewards Credit Card is the right card for you, read on.
Key Takeaways
- The Platinum Visa Rewards Credit Card must be in good standing to receive Cash Back Rewards. Good standing means the account is not past due, over limit, fraudulent, restricted or in a bankruptcy settlement. Cash Back Rewards start to accrue on approval date of the Platinum Visa Rewards Credit Card. Cash Back Rewards $0.00 to $5,000 -.25% cash back $5,000.01 to $10,000 -.50% cash back $10,000.01 and above - 1.00% cash back
- APRs: Penn State FCU Visa Platinum Rewards Credit Card has a fixed purchase APR that ranges from 8.90% up to 17.90%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 up to 1.0% every time you make a transaction outside the U.S.
Pros & Cons of Penn State FCU Visa Platinum Rewards Credit Card
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Penn State FCU Visa Platinum Rewards Credit Card FAQ
Does Penn State FCU Visa Platinum Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Penn State FCU Visa Platinum Rewards Credit Card have a signup bonus?
Yes. The Platinum Visa Rewards Credit Card must be in good standing to receive Cash Back Rewards. Good standing means the account is not past due, over limit, fraudulent, restricted or in a bankruptcy settlement. Cash Back Rewards start to accrue on approval date of the Platinum Visa Rewards Credit Card. Cash Back Rewards $0.00 to $5,000 -.25% cash back $5,000.01 to $10,000 -.50% cash back $10,000.01 and above - 1.00% cash back
Does Penn State FCU Visa Platinum Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Penn State FCU Visa Platinum Rewards Credit Card benefits?
Penn State FCU Visa Platinum Rewards Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Penn State FCU Visa Platinum Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Penn State FCU Visa Platinum Rewards Credit Card has a fixed purchase APR that ranges from 8.90% up to 17.90%. The card has a fixed balance transfer APR that ranges from 8.90% up to 17.90%.
Does Penn State FCU Visa Platinum Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Penn State FCU Visa Platinum Rewards 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 Penn State FCU Visa Platinum Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Penn State FCU Visa Platinum Rewards Credit Card have a foreign transaction fee?
Penn State FCU Visa Platinum Rewards Credit Card charges a foreign transaction fee of up to 1.0%. 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 Penn State FCU Visa Platinum Rewards Credit Card?
The customer service number for Penn State FCU Visa Platinum Rewards Credit Card is (814) 865-7728.
What is the support contact email for Penn State FCU Visa Platinum Rewards Credit Card?
The support contact email for Penn State FCU Visa Platinum Rewards Credit Card is lorimctavish@pennstatefederal.com.
What is the login page for Penn State FCU Visa Platinum Rewards Credit Card?
You can access the login page of Penn State FCU Visa Platinum Rewards Credit Card here.
How do people rate the customer service and user experience of Penn State FCU Visa Platinum Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Penn State FCU Visa Platinum Rewards Credit Card report your account activity to credit bureaus?
Yes, Penn State FCU Visa Platinum Rewards Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Penn State Federal Credit Union perform a hard credit pull?
Yes, Penn State FCU Visa Platinum Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Penn State FCU Visa Platinum Rewards Credit Card
- Visit the website of Penn State FCU Visa Platinum Rewards Credit Card.
- 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.
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