PeoplesChoice CU Platinum VISA Credit Card

PeoplesChoice CU Platinum VISA Credit Card Review

This is a rewards card issued by PeoplesChoice Credit Union. If you're wondering whether PeoplesChoice CU Platinum VISA Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. PeoplesChoice CU Platinum VISA Credit Card has a fixed purchase APR of 9.9%
• 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 PeoplesChoice CU Platinum VISA Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases. PeoplesChoice CU Platinum VISA 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.

PeoplesChoice CU Platinum VISA Credit Card FAQ

Does PeoplesChoice CU Platinum VISA Credit Card have a cash back or rewards program?

PeoplesChoice CU Platinum VISA Credit Card is a rewards card.

PeoplesChoice CU Platinum VISA Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the PeoplesChoice CU Platinum VISA Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for PeoplesChoice CU Platinum 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.

PeoplesChoice CU Platinum VISA Credit Card has a fixed purchase APR of 9.9%.

What are the fees for PeoplesChoice CU Platinum VISA Credit Card?

The following fees apply:

• There is no overlimit fee

PeoplesChoice CU Platinum VISA Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Late Payment Fee	$0

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

Does PeoplesChoice CU Platinum VISA Credit Card report your account activity to credit bureaus?

Yes, PeoplesChoice CU Platinum 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 PeoplesChoice CU Platinum VISA Credit Card

• Visit the PeoplesChoice CU Platinum 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.