Credit Union Platinum Credit Card Review and Comparison Guide

The credit union platinum credit card is a great option for those looking for a premium rewards experience. Many credit unions offer platinum credit cards with rewards rates of up to 1.5% cash back.

These cards often come with higher credit limits, making them ideal for those who want to make large purchases or pay off high-interest debt. Some credit unions also offer exclusive benefits, such as travel insurance and concierge services.

One of the standout features of credit union platinum credit cards is their low fees. Many credit unions don't charge annual fees, and those that do often charge significantly less than traditional bank credit cards.

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The fees associated with the credit union platinum credit card are quite reasonable. There is no annual fee, so you won't have to worry about paying extra just for having the card.

You'll also appreciate that there are no balance transfer fees, foreign transaction fees, or cash advance fees. This means you can use the card to make purchases or withdraw cash without incurring additional costs.

Here's a summary of the fees you can expect:

Keep in mind that rates are variable and will vary with the market based on the Prime Rate, which can change monthly.

The visa application fee is non-refundable, regardless of the outcome of your application.

Most countries require a visa application fee, which can range from $50 to $500 or more, depending on the country and type of visa.

The fee for a US visa can cost anywhere from $160 to $190.

The fee for a UK visa can range from £89 to £1,408.

The fee for an Australian visa can cost between $35 and $1,350.

The fee for a Canadian visa can range from CAD 100 to CAD 1,300.

When considering a credit card, it's essential to understand the rates and fees involved. The Annual Percentage Rates (APRs) for purchases, balance transfers, and cash advances are all 13.00% lowest APR.

The good news is that there are no annual fees, balance transfer fees, foreign transaction fees, or cash advance fees to worry about. You can enjoy your credit card without any of these extra charges.

Additional reading: Navy Federal Platinum Credit Card Balance Transfer

If you do need to make a balance transfer, be aware that the APR for balance transfers is also 13.00% lowest APR. This is the same as the APR for purchases.

The APRs for all these transactions are variable and can change monthly based on the Prime Rate. However, the maximum rate is capped at 18%.

Here's a summary of the rates and fees:

Remember to review the full terms and conditions of your credit card agreement to understand how the APRs and fees may affect you.

With a Navy Federal credit card, you'll have access to a range of features that make managing your credit easier and more convenient.

You'll get 24/7 help from a US-based member service team, which is reassuring if you have any questions or issues.

No Balance Transfer or Foreign Transaction Fees are charged, which can help you save money on your credit card expenses.

You can also Freeze and Unfreeze Your Cards, which is a great feature for added security.

Here are some key features included with all Navy Federal credit cards:

You can save on balance transfers with a low intro APR, like getting 0% intro APR for 12 months from account opening on balances transferred within 60 days.

After the intro period, a variable APR between 11.24% and 18% applies, so it's essential to pay off your balance before then.

No transfer fee is charged, which can save you money upfront.

The key is to pay off your balance within the 60-day window to take advantage of the 0% intro APR.

Here's an interesting read: Balance Transfer Credit Cards for Fair Credit

The credit card offers a great rate and even greater rewards.

The national average annual percentage rate (“APR”) for credit card accounts is updated monthly, so be sure to check the latest rate.

This credit card is issued by Digital Federal Credit Union, whose headquarters is located at 853 Donald Lynch Boulevard.

The credit union is federally insured by NCUA.

You can find the credit union's contact information, including their mailing address and ABA Routing Number, at 853 Donald Lynch Boulevard, PO Box 9130, Marlborough, MA 01752-9130.

The credit union's NMLS# is 466914.

With the Credit Union Platinum Credit Card, you'll enjoy a range of additional benefits that make it a valuable addition to your wallet.

You can access exclusive travel, entertainment, and shopping benefits through Visa Benefits and Mastercard Benefits, which offer a wealth of information and resources on their respective websites.

One of the standout features of the Credit Union Platinum Credit Card is the 24/7 help from a US-based member service team, giving you peace of mind whenever you need assistance.

You'll also appreciate the No Balance Transfer or Foreign Transaction Fees, which can save you money on your financial transactions.

The card's Ability to Freeze and Unfreeze Your Cards is a convenient feature that allows you to take control of your account security.

You'll have access to your credit score, so you can stay on top of your financial health.

Tap to Pay is a convenient feature that lets you make payments with just a tap of your card.

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Fraud Notifications will keep you informed if any suspicious activity is detected on your account.

The Credit Union Platinum Credit Card boasts an average credit card APR that's 6.81% lower than the bank industry average, which can save you money on interest charges.

You're protected by a Zero Liability Policy for Reported Unauthorized Transactions, so you can shop with confidence.

If you qualify, you can even use your credit card before it arrives in the mail with a digitally issued card.

Here are some additional benefits you can look forward to:

Need assistance? Call 24-hour member service with a live representative at 877.275.2228 (U.S.) or 847.623.3636 (Outside of U.S.).