Last Updated: 07/28/2025
Skyla Credit Union Visa Platinum Credit Card
Unaffiliated
from Skyla Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.90% - 17.95%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.90% - 17.95%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
$0
Skyla Credit Union Visa Platinum Credit Card Review
This is a card issued by Skyla Credit Union. If you're wondering whether Skyla Credit Union Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: Skyla Credit Union Visa Platinum Credit Card has a variable regular purchase APR that ranges from 12.90% up to 17.95%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Skyla Credit Card
| The Good | The Bad |
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Skyla Credit Card FAQ
Does Skyla Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Skyla 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.Skyla Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 12.90% up to 17.95%. The card has a variable balance transfer APR that ranges from 12.90% up to 17.95%. It also has a variable cash advance APR of 17.95% .
Note that late payments are subject to an APR of 17.95% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Skyla Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.90% - 17.95% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Skyla Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Skyla Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Skyla Credit Card have a foreign transaction fee?
Skyla Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Skyla Credit Card?
The customer service number for Skyla Credit Card is (704) 375-0183.
What is the support contact email for Skyla Credit Card?
The support contact email for Skyla Credit Card is info@cmcu.org.
How do people rate the customer service and user experience of Skyla Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Skyla Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Skyla Credit Union Visa Platinum 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 Skyla Credit Union perform a hard credit pull?
Yes, Skyla 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 Skyla Credit Card
- Visit the website of Skyla 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
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Skyla Credit Union
Checking Accounts
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Other Credit Cards from Skyla Credit Union
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Purchase APR
14.90% - 17.95%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 17.95%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.90%
Disclaimer popup with additional information
Balance Transfer APR
9.90%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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