Last Updated: 07/28/2025
PeoplesChoice CU Platinum VISA Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
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
- 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 you have a fair credit score or better.
Pros & Cons of PeoplesChoice CU Platinum VISA Credit Card
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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.
| Description |
Does PeoplesChoice CU Platinum VISA Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does PeoplesChoice CU Platinum VISA Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the PeoplesChoice CU Platinum VISA Credit Card benefits?
PeoplesChoice CU Platinum VISA Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.PeoplesChoice CU Platinum VISA Credit Card has a fixed purchase APR of 9.9%. PeoplesChoice CU Platinum VISA Credit Card does not offer balance transfers.
Does PeoplesChoice CU Platinum VISA Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does PeoplesChoice CU Platinum VISA Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of 12 months.
What are the fees for PeoplesChoice CU Platinum VISA Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 rewards card.
There is a late fee of up to $0 . Does PeoplesChoice CU Platinum VISA Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for PeoplesChoice CU Platinum VISA Credit Card?
The customer service number for PeoplesChoice CU Platinum VISA Credit Card is (207) 282-4156.
What is the support contact email for PeoplesChoice CU Platinum VISA Credit Card?
The support contact email for PeoplesChoice CU Platinum VISA Credit Card is info@peopleschoiceme.org.
What is the login page for PeoplesChoice CU Platinum VISA Credit Card?
You can access the login page of PeoplesChoice CU Platinum VISA Credit Card here.
How do people rate the customer service and user experience of PeoplesChoice CU Platinum VISA Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does PeoplesChoice CU Platinum VISA Credit Card report your account activity to credit bureaus?
Yes, PeoplesChoice CU Platinum VISA 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 PeoplesChoice Credit Union perform a hard credit pull?
Yes, PeoplesChoice CU Platinum VISA 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 PeoplesChoice CU Platinum VISA Credit Card
- Visit the website of PeoplesChoice CU Platinum VISA 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed