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Last Updated: 07/28/2025

Skyla Credit Union Visa Platinum Rewards Credit Card

from Skyla Credit Union

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

14.90% - 17.95%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

14.90% - 17.95%(Verified 06/21/2024)

Credit Score Range

670 - 850

Annual Fee

Skyla Credit Union Visa Platinum Rewards Credit Card Review

This is a rewards card issued by Skyla Credit Union. If you're wondering whether Skyla Credit Union Visa Platinum Rewards 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 Rewards Credit Card has a variable regular purchase APR that ranges from 14.90% up to 17.95%.
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.
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 Rewards Credit Card

The Good

The Bad

Potentially lower than average purchase APRs.
0% APR balance transfer intro rate on balance transfers for 12 months.
0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 14.90% up to 17.95% .
No annual fee.
Multiple credit card perks.
Offers Auto Rental Collision Damage Waiver*.
Extended warranty on purchases.
Identity Theft Protection.
Travel accident and travel assistance insurance.
Cardholders can earn rewards on purchases everywhere Skyla Credit Union Visa Platinum Rewards Credit Card is accepted.
Skyla Credit Union Visa Platinum Rewards Credit Card reports to multiple credit bureaus.

You need good credit to qualify.
Does not offer a signup bonus.

Skyla Rewards Credit Card FAQ

Does Skyla Rewards Credit Card have a cash back or rewards program?

Skyla Rewards Credit Card is a rewards card.

Skyla Rewards Credit Card Rewards Breakdown

Description

Every Purchase

Up to 2 x points

Does Skyla Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Skyla Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Skyla Rewards Credit Card benefits?

Skyla Credit Union Visa Platinum Rewards Credit Card provides the following benefits:

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 Rewards 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 Rewards Credit Card has a variable purchase APR that ranges from 14.90% up to 17.95%. The card has a variable balance transfer APR that ranges from 14.90% 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 Rewards 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.

Skyla Credit Union Visa Platinum Rewards Credit Card Balance Transfers

Description

Balance Transfer APR

14.90% - 17.95%

Balance Transfer Introductory APR

Balance Transfer Intro APR Period

12 months

Does Skyla Rewards Credit Card have an intro APR offer on new purchases?

Skyla Credit Union Visa Platinum Rewards Credit Card Purchase Intro Offer

Description

Introductory Rate

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 Rewards Credit Card?

Skyla Credit Union Visa Platinum Rewards Credit Card Fees

Description

Returned Payment Fee

Up to $25

Annual Fee

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 rewards card.

What is the customer service phone number for Skyla Rewards Credit Card?

The customer service number for Skyla Rewards Credit Card is (704) 375-0183.

What is the support contact email for Skyla Rewards Credit Card?

The support contact email for Skyla Rewards Credit Card is info@cmcu.org.

How do people rate the customer service and user experience of Skyla Rewards 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 Rewards Credit Card report your account activity to credit bureaus?

Yes, Skyla Credit Union Visa Platinum Rewards 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 Rewards 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 Rewards Credit Card

Visit the website of Skyla Rewards 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.

Contact

Headquarters

718 Central Ave

Charlotte, NC 28204

(704) 375-0183

Visit Site

Email Support

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

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Purchase APR

12.90% - 17.95%

Disclaimer popup with additional information

Balance Transfer APR

12.90% - 17.95%

Disclaimer popup with additional information

Credit Score Range

650 - 850

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Purchase APR

9.90%

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Balance Transfer APR

9.90%

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Credit Score Range

620 - 850

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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.