Last Updated: 07/28/2025
Route 31 Credit Union Platinum Preferred Visa Credit Card
Unaffiliated
in Credit Cards from Route 31 Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 9.50%(Verified 07/11/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
N/A
Annual Fee
$0
Route 31 Credit Union Platinum Preferred Visa Credit Card Review
This is a rewards card issued by Route 31 Credit Union. If you're wondering whether Route 31 Credit Union Platinum Preferred Visa Credit Card is the right card for you, read on.
Key Takeaways
- When you use your Route 31 Visa credit card, you earn 1 ScoreCard point for every $1 spent.
- 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.
Pros & Cons of Route 31 Credit Union Platinum Preferred Visa Credit Card
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Route 31 Credit Union Platinum Preferred Visa Credit Card FAQ
Does Route 31 Credit Union Platinum Preferred Visa Credit Card have a cash back or rewards program?
Route 31 Credit Union Platinum Preferred Visa Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Route 31 Credit Union Platinum Preferred Visa Credit Card have a signup bonus?
Yes. When you use your Route 31 Visa credit card, you earn 1 ScoreCard point for every $1 spent.
Does Route 31 Credit Union Platinum Preferred Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Route 31 Credit Union Platinum Preferred Visa Credit Card benefits?
Route 31 Credit Union Platinum Preferred Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Route 31 Credit Union Platinum Preferred 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.Route 31 Credit Union Platinum Preferred Visa Credit Card has a variable purchase APR starting at 9.50%. Route 31 Credit Union Platinum Preferred Visa Credit Card does not offer balance transfers. It also has a variable cash advance APR starting at 9.50% .
Does Route 31 Credit Union Platinum Preferred Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Route 31 Credit Union Platinum Preferred Visa Credit Card does not offer balance transfers.Does Route 31 Credit Union Platinum Preferred Visa 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 Route 31 Credit Union Platinum Preferred Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Route 31 Credit Union Platinum Preferred Visa Credit Card?
The customer service number for Route 31 Credit Union Platinum Preferred Visa Credit Card is (231) 726-4871.
What is the support contact email for Route 31 Credit Union Platinum Preferred Visa Credit Card?
The support contact email for Route 31 Credit Union Platinum Preferred Visa Credit Card is info@route31cu.com.
How do people rate the customer service and user experience of Route 31 Credit Union Platinum Preferred Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Route 31 Credit Union Platinum Preferred Visa Credit Card report your account activity to credit bureaus?
Yes, Route 31 Credit Union Platinum Preferred 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 Route 31 Credit Union perform a hard credit pull?
Yes, Route 31 Credit Union Platinum Preferred 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 Route 31 Credit Union Platinum Preferred Visa Credit Card
- Visit the website of Route 31 Credit Union Platinum Preferred 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:30AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:30AM - 5:00PM
Saturday
Closed
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