Purchase APR
15.99–19.99%
Annual fee
None
Foreign fee
None
No score≤619Travel-related
Carrying $3k for a year ≈ $479.70
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74
Platinum Visa Credit Card
NationalFixed rateCredit score 620–719Credit score 720+
Purchase APR
9.99–10.99%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
None
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
10.99%
720+
9.99%
Lowest offered9.99%
Median10.99%
Highest offered10.99%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered1.99%
Median2.99%
Highest offered5.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered9.99%
Median10.99%
Highest offered10.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Automobile rental insurance
- Credit card registration
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-322-4472
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 1.99%$49.75
You save$550.25
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 10.99% afterwards.
Cost to carry a balance
Interest for a year at 10.99%$329.70
Annual / periodic fees$0
Total yearly cost$329.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Credit Union For All, The in the 2026 Q1 archive.
More from this issuer
Purchase APR
10.99–18%
Annual fee
None
Foreign fee
1.1%
0% transfers · 12 mo
SecuredNo score≤619
Carrying $3k for a year ≈ $329.70
Purchase APR
7.99–15.99%
Annual fee
None
Foreign fee
None
No score≤619
Carrying $3k for a year ≈ $329.70
Purchase APR
11–14%
Annual fee
None
Foreign fee
2%
620–719
Carrying $3k for a year ≈ $330