Vantage CU Platinum Mastercard Credit Card

Vantage CU Platinum Mastercard Credit Card Review

This is a card issued by Vantage Credit Union. If you're wondering whether Vantage CU Platinum Mastercard Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Vantage CU Platinum Mastercard Credit Card has a variable purchase APR that ranges from 13.24% up to 20.24%.
• 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.
• 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 assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Vantage CU Platinum Mastercard Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Considers applicants with fair credit. Vantage CU Platinum Mastercard Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Vantage CU Platinum Mastercard Credit Card FAQ

Does Vantage CU Platinum Mastercard Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Vantage CU Platinum Mastercard Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Vantage CU Platinum Mastercard Credit 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. This card has lower than average regular APRs.

Vantage CU Platinum Mastercard Credit Card has a variable purchase APR that ranges from 13.24% up to 20.24%. The card has a variable balance transfer APR that ranges from 13.24% up to 20.24%. It also has a variable cash advance APR that ranges from 13.24% up to 20.24%. Note that late payments are subject to an APR of 33.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Vantage CU Platinum Mastercard Credit Card?

The following fees apply:

Vantage CU Platinum Mastercard Credit Card Fees

Description
No Annual Fee?
Annual Fee	$0

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

Does Vantage CU Platinum Mastercard Credit Card report your account activity to credit bureaus?

Yes, Vantage CU Platinum Mastercard Credit 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 Vantage CU Platinum Mastercard Credit Card

• Visit the Vantage CU Platinum Mastercard Credit 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.