Last Updated: 07/28/2025
Shell FCU Visa Platinum
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Last Updated: 07/28/2025
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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 |
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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.
| 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.
| 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?
| 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?
| 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.
What is the login page for Shell FCU Visa Platinum?
You can access the login page of Shell FCU Visa Platinum here.
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.
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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