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Webster Bank Visa Platinum® Card

in Personal Credit Cards

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Webster Bank Visa Platinum® Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Webster Bank Visa Platinum® Card is a credit card issued by Elan Financial Services, which is based in Minneapolis, MN. 

Webster Bank Visa Platinum® Card is designed for people with a credit score of 750 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. Elan Financial Services is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

Webster Bank Visa Platinum® Card has a variable purchase APR that ranges from 11.49% up to 22.49%.

The card has a variable balance transfer APR that ranges from 11.49% up to 22.49%.

It also has a variable cash advance APR starting at 25.49%.

Is an introductory APR offer available?

Yes, Webster Bank Visa Platinum® Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.

What are the fees?

The following fees apply to Webster Bank Visa Platinum® Card:

  • There is no annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, Webster Bank Visa Platinum® Card does not offer a rewards program.

Is a signup bonus offered?

Webster Bank Visa Platinum® Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Webster Bank Visa Platinum® Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Webster Bank Visa Platinum® Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus
  • Does Webster Bank Visa Platinum® Card report your account activity to credit bureaus?

    Webster Bank Visa Platinum® Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    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...

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    Availability

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

    Feature Breakdown

    No Fees
    Grace Period for Late Payment (Days)
    24
    Over-Limit Fee
    $0
    Annual Fee
    $0
    No Annual Fee
     
    List of Fees
    Late Payment Penalty
    $38
    Returned Payment Fee
    $35
    Minimum Interest Charge
    $2
    Balance Transfer Fee %
    3%
    Balance Transfer Fee Minimum
    $5
    Foreign Currency Transaction Fee
    3%
    Minimum Age
    18
    Co-signing Allowed
     
    Credit Score Range
    750 - 850
    850 300 750
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type
    Personal
    Car Rental Insurance
     
    Extended Warranty
     
    Fraud Liability
     
    Travel Insurance
     
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Identity Theft Protection
    • Travel Assistance
    Percentage
    Purchase APR
    (Variable APR)
    11.49% - 22.49%
        0% 29%
    Percentage
    Cash Advance APR
    (Variable APR)
    Starting at
    25.49%
    Balance Computation
    average daily balance (including new purchases)
    Introductory Rate
    0%
    Percentage
    Balance Transfer APR
    (Variable APR)
    11.49% - 22.49%
        8% 29%
    Introductory Rate
    0%
    Intro APR period (months)
    15

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