Last Updated: 05/14/2026
Webster Bank Visa Platinum® Card
Unaffiliated
Last Updated: 05/14/2026
SuperMoney User Recommendation Score -100
Strongly not recommended5 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
11.99% - 20.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.99% - 20.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
750 - 850
Annual Fee
$0
Number of Reviews
Webster Bank Visa Platinum® Card Review
This is a card issued by Elan Financial Services. If you're wondering whether Webster Bank Visa Platinum® 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 20 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APRs: Webster Bank Visa Platinum® Card has a variable regular purchase APR that ranges from 11.99% up to 20.99%.
- 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.
- A 3% balance transfer fee. Webster Bank Visa Platinum® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Elan Financial Services is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- 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, travel accident insurance, travel assistance, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Websster Bank credit card
| The Good | The Bad |
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Websster Bank credit card FAQ
Does Websster Bank 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 Websster Bank 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.Webster Bank Visa Platinum® Card has a variable purchase APR that ranges from 11.99% up to 20.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 20.99%. It also has a variable cash advance APR of 23.99% .
Does Websster Bank 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 20 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.99% - 20.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 20 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Websster Bank credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Websster Bank credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Websster Bank credit card have a foreign transaction fee?
Websster Bank credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 support contact email for Websster Bank credit card?
The support contact email for Websster Bank credit card is corporaterewardscard@elanfs.com.
How do people rate the customer service and user experience of Websster Bank credit card?
Overall, Websster Bank credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Webster Bank Visa Platinum® Card report your account activity to credit bureaus?
Yes, Webster Bank Visa Platinum® 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 Elan Financial Services perform a hard credit pull?
Yes, Websster Bank 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 Websster Bank credit card
- Visit the website of Websster Bank 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.
Other Services by Elan Financial Services
Other Credit Cards from Elan Financial Services
Rating not yet determined
Purchase APR
15.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
15.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.74%
Disclaimer popup with additional information
Balance Transfer APR
13.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.
-100
-1000+100
No one recommends
Everyone recommends
Webster Bank Visa Platinum® Card Community Reviews
Would you recommend Webster Bank Visa Platinum® Card to your friends?
Woland
Jan 11, 2024
May or may not recommend
I just received an email about the payment of whopping $28.00 was past due 5 days. I checked my billpay and found that it was my mistake - instead of January I set it for February. I immediately called this outfit to make the payment and was told that they would charge $57+ - 100%+ (!!!!!) FOR FIVE DAYS. Yes, it was my mistake but it doesn't justify armed robbery.
Needless ...Show More
Donna
Jun 9, 2022
May or may not recommend
Still waiting for my overpayment refund from March 2022 and yet they posted refund without any proof of payment. Still no proof of payment.
FF
F F.
Jun 21, 2021
May or may not recommend
Elan Financial contacted Trans Union requesting a credit report on me. My Id was stolen in 2019 and I froze all 3 reporting agencies and they will not release my credit report un til I tell them to. (Great deal). Elan had a 800 n umber and it was contacted and I received a recorded message saying US Bank closed their mortgage lending in 2018 and gave another 800 ...Show More
Steve S.
Mar 8, 2020
May or may not recommend
Unfortunately I need to add my negative experience with Elan to the list. The specific problem I had was a failure to notify me in a timely way when they rejected a payment and also the automatic payment setup. I was able to reach them on the phone, but the first representative, Damian, did not help me and told me to call back, then sent me to the main queue ...Show More
Steven D.
May 2, 2019
May or may not recommend
they are impossible to deal with and make corrections even when fraud is involved.
Showing 5 of 5 reviews
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