in Personal Credit Cards from People First Federal Credit Union
UnaffiliatedPeople 1st FCU Visa Platinum Credit Card
in Personal Credit Cards from People First Federal Credit Union
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| Purchase APR (Variable APR) | 8.9% - 17.9% |
| Balance Transfer APR (Variable APR) | 8.9% - 17.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
People 1st FCU Visa Platinum Credit Card Review
This is a credit card issued by People First Federal Credit Union. If you're wondering whether People 1st FCU 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.
- Competitive APRs. People 1st FCU Visa Platinum Credit Card has a variable purchase APR that ranges from 8.9% up to 17.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 600.
| The Good | The Bad |
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Does People 1st FCU Visa Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the People 1st FCU Visa Platinum 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 People 1st FCU 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.People 1st FCU Visa Platinum Credit Card has a variable purchase APR that ranges from 8.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 8.9% up to 17.9%. It also has a variable cash advance APR that ranges from 8.9% up to 17.9%.
Does People 1st FCU Visa Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.9% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 2.9% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 8.9% - 17.9% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does People 1st FCU Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 2.9% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 2.9% on qualified purchases for a period of up to 6 months.
What are the fees for People 1st FCU Visa Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does People 1st FCU Visa Platinum Credit Card have a foreign transaction fee?
People 1st FCU Visa Platinum 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 support contact email for People 1st FCU Visa Platinum Credit Card?
The support contact email for People 1st FCU Visa Platinum Credit Card is staff@peoplefirstcu.org.
How do people rate the customer service and user experience of People 1st FCU Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does People 1st FCU Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, People 1st FCU 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 People 1st FCU Visa Platinum Credit Card
- Visit the People 1st FCU 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.
Contact
- Headquarters
-
2141 Downyflake Lane
Allentown, PA 18103 - Visit Site
- Email Support
About People 1st FCU Visa Platinum Credit Card
Availability
Feature Breakdown
| Introductory Rate | 2.9% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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