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Last Updated: 07/28/2025

Shell FCU Visa Platinum

Q: Does Shell FCU Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program. Extended Warranty Protection, Zero fraud liability, and Reports to major credit bureaus

from Shell Federal Credit Union

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

12.25% - 17.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

12.25% - 17.99%(Verified 06/21/2024)

Credit Score Range

600 - 850

Annual Fee

Up to $45

Shell FCU Visa Platinum Review

This is a card issued by Shell Federal Credit Union. If you're wondering whether Shell FCU Visa Platinum is the right card for you, read on.

Key Takeaways

APRs: Shell FCU Visa Platinum has a variable regular purchase APR that ranges from 12.25% up to 17.99%.
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.
Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Shell FCU Visa Platinum

The Good

The Bad

Potentially lower than average purchase APRs.
Has an introductory APR rate on balance transfers of 2.99%.
It has a variable purchase APR of up to 17.99%.
Multiple credit card perks.
Extended warranty on purchases.
Identity Theft Protection.
Considers applicants with fair credit.
No foreign transaction fee.
Shell FCU Visa Platinum reports to multiple credit bureaus.

Charges an annual fee of up to $45
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Shell FCU Visa Platinum FAQ

Does Shell FCU Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program.

Shell FCU Visa Platinum Rewards Breakdown

Description

Extended Warranty Protection
Zero fraud liability
Reports to major credit bureaus

What are the relevant APRs for Shell FCU Visa Platinum?

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.

Shell FCU Visa Platinum has a variable purchase APR that ranges from 12.25% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.25% up to 17.99%. It also has a variable cash advance APR that ranges from 12.25% up to 17.99%.

Does Shell FCU Visa Platinum 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.

Shell FCU Visa Platinum Balance Transfers

Description

Balance Transfer APR

12.25% - 17.99%

Balance Transfer Introductory APR

2.99%

Balance Transfer Intro APR Period

12 months

Does Shell FCU Visa Platinum have an intro APR offer on new purchases?

Shell FCU Visa Platinum 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 12 months.

What are the fees for Shell FCU Visa Platinum?

Shell FCU Visa Platinum Fees

Description

Returned Payment Fee

Up to $25

Foreign Currency Transaction Fee

Starting at 0%

Annual Fee

Up to $45

No Foreign Transaction Fee?

Late Fee Amount

Up to $25

This card charges an annual fee of up to $45.

Does Shell FCU Visa Platinum 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 Shell FCU Visa Platinum?

The customer service number for Shell FCU Visa Platinum is (713) 844-1100.

What is the support contact email for Shell FCU Visa Platinum?

The support contact email for Shell FCU Visa Platinum is Contactus@shellfcu.org.

How do people rate the customer service and user experience of Shell FCU Visa Platinum?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Shell FCU Visa Platinum report your account activity to credit bureaus?

Yes, Shell FCU Visa Platinum 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 Shell Federal Credit Union perform a hard credit pull?

Yes, Shell FCU Visa Platinum 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 Shell FCU Visa Platinum

Visit the website of Shell FCU Visa Platinum.
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

Headquarters

301 E Thirteenth St

Deer Park, TX 77536

(713) 844-1100

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

7:30AM - 6:00PM

Tuesday

7:30AM - 6:00PM

Wednesday

7:30AM - 6:00PM

Thursday

7:30AM - 7:00PM

Friday

7:30AM - 7:00PM

Saturday

8:00AM - 12:30PM

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Other Credit Cards from Shell Federal Credit Union

Shell FCU Visa Signature

Rating not yet determined

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Purchase APR

13.25% - 17.99%

Disclaimer popup with additional information

Balance Transfer APR

13.25% - 17.99%

Disclaimer popup with additional information

Credit Score Range

650 - 850

300

850

Annual Fee

Up to $45

Visit Site

Shell FCU Visa Signature Preferred

Rating not yet determined

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Purchase APR

17.99%

Disclaimer popup with additional information

Balance Transfer APR

17.99%

Disclaimer popup with additional information

Credit Score Range

650 - 850

300

850

Annual Fee

Up to $45

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.