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55

Platinum Reward

360 Federal Credit Union

NationalFixed rateCredit score 720+
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
3.99%
0% transfer
3.99%
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Introductory purchase APR

Promotional window: 3 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Balance transfer APR

Promotional window: 3 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered13.70%
Median16.50%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee$5 min
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit fee$20
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: 25.00 or 5% of payment due whichever is greater

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Gift Cards and Purchase Merchandise

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-544-4728
Balance transfer calculator
Stay put — 3 mo at 24%$150
Transfer fee (0%)$0
Promo interest at 3.99%$24.94
You save$125.06

Assumes you pay the balance down evenly across the 3-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to the standard% afterwards.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

1 document filed by 360 Federal Credit Union in the 2026 Q1 archive.

More from this issuer