Last Updated: 07/28/2025
TRU-FI Credit Union VISA Platinum Credit Card
Unaffiliated
from TRU-FI Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.5% - 14.5%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
9.5% - 14.5%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
TRU-FI Credit Union VISA Platinum Credit Card Review
This is a rewards card issued by TRU-FI Credit Union. If you're wondering whether TRU-FI 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 6 months, which is shorter than the average 0% APR period of 12 months.
- APRs: TRU-FI Credit Union VISA Platinum Credit Card has a variable regular purchase APR that ranges from 9.5% up to 14.5%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.0% every time you make a transaction outside the U.S.
Pros & Cons of TRU-FI Credit Union VISA Platinum Credit Card
| The Good | The Bad |
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TRU-FI Credit Union VISA Platinum Credit Card FAQ
Does TRU-FI Credit Union VISA Platinum Credit Card have a cash back or rewards program?
TRU-FI Credit Union VISA Platinum Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TRU-FI Credit Union VISA Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does TRU-FI Credit Union VISA Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the TRU-FI Credit Union VISA Platinum Credit Card benefits?
TRU-FI Credit Union VISA Platinum Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for TRU-FI Credit Union VISA Platinum 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.TRU-FI Credit Union VISA Platinum Credit Card has a variable purchase APR that ranges from 9.5% up to 14.5%. The card has a variable balance transfer APR that ranges from 9.5% up to 14.5%. It also has a variable cash advance APR that ranges from 11.5% up to 16.5%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does TRU-FI Credit Union VISA Platinum 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.5% - 14.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TRU-FI Credit Union VISA Platinum 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 TRU-FI Credit Union VISA Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does TRU-FI Credit Union VISA Platinum Credit Card have a foreign transaction fee?
TRU-FI Credit Union VISA Platinum Credit Card charges a foreign transaction fee of up to 2.0%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 TRU-FI Credit Union VISA Platinum Credit Card?
The customer service number for TRU-FI Credit Union VISA Platinum Credit Card is (904) 259-6702.
How do people rate the customer service and user experience of TRU-FI Credit Union VISA Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TRU-FI Credit Union VISA Platinum Credit Card report your account activity to credit bureaus?
Yes, TRU-FI 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 TRU-FI Credit Union perform a hard credit pull?
Yes, TRU-FI Credit Union VISA Platinum 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 TRU-FI Credit Union VISA Platinum Credit Card
- Visit the website of TRU-FI Credit Union VISA Platinum 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 - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 6:00PM
Saturday
Closed
Other Services by TRU-FI Credit Union
Other Credit Cards from TRU-FI Credit Union
Rating not yet determined
Purchase APR
11.5%
Disclaimer popup with additional information
Balance Transfer APR
11.5%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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