The Altra Federal Credit Union currently offers their customers the choice between three different Visa Platinum credit cards. Which credit card the customer can qualify for depends on their annual income and individual credit score.
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The Visa Platinum III credit card is the initial card and a great starting point for someone that is building credit and plans to work up to the Visa Platinum I credit card. After being approved for a credit card like the Visa Platinum III, it might be in the cardholder’s best interest to learn more about responsible credit card use with advice from Suze Orman.
Differences between the Visa Platinum III Card and the Others
The most obvious difference between the Visa Platinum III credit card and the other two Visa Platinum credit cards offered by the Altra Federal Credit Union is the annual percentage rates. The annual percentage rate is the amount of interest that is applied to the outstanding balance on the cardholder’s credit card each month.
Since the Visa Platinum III credit card is the first step in the series of Visa Platinum credit cards, it has the highest annual percentage rate at 14.9%. The Visa Platinum II credit card has an annual percentage rate of 12.9% and the Visa Platinum I credit card has an annual percentage rate of 10.9%.
While at 14.9%, the Visa Platinum III credit card has the highest annual percentage rate of the three Visa Platinum credit cards this is still a relatively low annual percentage rate. Most credit cards today have an annual percentage rate between 18% and 25%.
Additional Benefits of the Visa Platinum III Card
Along with the relatively low annual percentage rate, the Visa Platinum III credit card has many other benefits. Some of these benefits include no annual fee, a minimum credit line of $200, and fraud protection.
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