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  Valley Strong Credit Union Platinum Card

Valley Strong Credit Union Platinum Card

in Personal Credit Cards from Valley Strong Credit Union

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Valley Strong Credit Union Platinum Card

Unaffiliated

in Personal Credit Cards from Valley Strong Credit Union

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Highlights
Purchase APR  (Variable APR) 8.5% - 15.65%
Balance Transfer APR  (Variable APR) 8.5% - 15.65%
Credit Score Range 600 - 850
Annual Fee $0

Valley Strong Credit Union Platinum Card Review

This is a credit card issued by Valley Strong Credit Union. If you're wondering whether Valley Strong Credit Union Platinum Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Valley Strong Credit Union Platinum Card has a variable purchase APR that ranges from 8.5% up to 15.65%.
  • 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Valley Strong Credit Union Platinum Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Access to a concierge.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Valley Strong Credit Union Platinum Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Valley Strong Credit Union Platinum Card FAQ

Does Valley Strong Credit Union Platinum Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Valley Strong Credit Union Platinum Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Valley Strong Credit Union Platinum Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.5% up to 15.65%. The card has a variable balance transfer APR that ranges from 8.5% up to 15.65%. It also has a variable cash advance APR that ranges from 10.5% up to 15.65%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Valley Strong Credit Union Platinum Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Valley Strong Credit Union Platinum 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 Valley Strong Credit Union Platinum Card?

The following fees apply:

  • There is no overlimit fee
Valley Strong Credit Union Platinum Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $30

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Valley Strong Credit Union Platinum Card have a foreign transaction fee?

Valley Strong Credit Union Platinum Card charges a foreign transaction fee of 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 Valley Strong Credit Union Platinum Card?

The Valley Strong Credit Union Platinum Card customer service number is (661) 833-7900.

What is the support contact email for Valley Strong Credit Union Platinum Card?

The support contact email for Valley Strong Credit Union Platinum Card is valleystrong@valleystrong.com.

Does Valley Strong Credit Union Platinum Card report your account activity to credit bureaus?

Yes, Valley Strong Credit Union Platinum Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Valley Strong Credit Union Platinum Card

  • Visit the Valley Strong Credit Union Platinum Card website.
  • 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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00am
  • Tuesday 9:00am - 5:00am
  • Wednesday 9:00am - 5:00am
  • Thursday 9:00am - 5:00am
  • Friday 9:00am - 6:00am
  • Saturday 9:00am - 1:00am

Other Services by Valley Strong Credit Union

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View all personal credit cards offered by Valley Strong Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $30
Late Fee Amount Starting at $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Travel Assistance
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Variable APR) 10.5% - 15.65%
Balance Computation average daily balance (including new purchases)
Credit Limit $300 - $20,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.5% - 15.65%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 8.5% - 15.65%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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