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  PeoplesChoice Credit Union Platinum Preferred VISA Credit Card

PeoplesChoice Credit Union Platinum Preferred VISA Credit Card

in Personal Credit Cards from PeoplesChoice Credit Union

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PeoplesChoice Credit Union Platinum Preferred VISA Credit Card

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in Personal Credit Cards from PeoplesChoice Credit Union

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Highlights
Purchase APR  (Fixed APR) 9.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

PeoplesChoice Credit Union Platinum Preferred VISA Credit Card Review

This is a rewards credit card issued by PeoplesChoice Credit Union. If you're wondering whether PeoplesChoice Credit Union Platinum Preferred VISA 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
  • Competitive APRs. PeoplesChoice Credit Union Platinum Preferred 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 oods if your credit score is above650.
Pros & Cons of PeoplesChoice Credit Union Platinum Preferred VISA Credit Card
The Good The Bad
  • 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 Credit Union Platinum Preferred 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 Credit Union Platinum Preferred VISA Credit Card FAQ

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

PeoplesChoice Credit Union Platinum Preferred VISA Credit Card is a rewards card.

PeoplesChoice Credit Union Platinum Preferred VISA Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does PeoplesChoice Credit Union Platinum Preferred VISA Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does PeoplesChoice Credit Union Platinum Preferred VISA Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the PeoplesChoice Credit Union Platinum Preferred VISA Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for PeoplesChoice Credit Union Platinum Preferred 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. It has lower than average regular APRs.

It has a fixed purchase APR of 9.9%.

Does PeoplesChoice Credit Union Platinum Preferred 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 up to 12 months.

PeoplesChoice Credit Union Platinum Preferred VISA Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does PeoplesChoice Credit Union Platinum Preferred VISA Credit Card have an intro APR offer on new purchases?

PeoplesChoice Credit Union Platinum Preferred VISA Credit Card Purchase Intro Offer
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 up to 12 months.

What are the fees for PeoplesChoice Credit Union Platinum Preferred VISA Credit Card?

The following fees apply:

  • There is no overlimit fee
PeoplesChoice Credit Union Platinum Preferred 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 Credit Union Platinum Preferred 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 Credit Union Platinum Preferred VISA Credit Card?

The PeoplesChoice Credit Union Platinum Preferred VISA Credit Card customer service number is (207) 282-4156.

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

Yes, PeoplesChoice Credit Union Platinum Preferred 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 Credit Union Platinum Preferred VISA Credit Card

  • Visit the PeoplesChoice Credit Union Platinum Preferred 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.

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 - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About PeoplesChoice Credit Union Platinum Preferred VISA Credit Card

Availability

  Available in 1 state
Maine
Availabile in all of Maine

Feature Breakdown

Introductory Rate 2.99%
Purchase Intro APR Period (Fixed APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
Late Fee Amount $0
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
  • Purchase Protection
  • Fraud Liability
Rewards Type Points
Purchase APR (Fixed APR) 9.9%
Balance Transfer Introductory APR (Fixed APR) 2.99%
Balance Transfer Intro APR Period (Fixed APR) 12 months
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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