For someone with a very good credit score that wants a high limit credit card without the hassle of a rewards program the Bellco Credit Union has the Visa Platinum credit card for their members. Those who are eligible for credit union membership are free to apply for this credit card.
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Terms of the Bellco Credit Union Visa Platinum Credit Card
For the first six months the account is open, this credit card gives the cardholder a special 0% annual percentage rate. After this special period has ended, the cardholder’s credit score determines their new interest rate, which could range anywhere from 9.90% to 21%.
This special six-month introductory interest rate does not only apply to purchases, but balance transfers as well. After the six months have ended, the rate will be raised based on the cardholder’s credit score. The interest rate for cash advances is a steady 18.25%.
Unlike many credit cards with a special introductory annual percentage rate, there is no penalty interest rate for this card. This means that if the cardholder is late with a payment they will not forfeit their special interest rate.
Bellco Credit Union Visa Platinum Credit Card Fees
Even though the cardholder will not lose their special interest rate after a late payment, they will still be charged the $25 late fee. If a payment has to be returned for insufficient funds, they will be charged $10.
The transaction fees for this card include a balance transfer and cash advance fee of 4%. Both of these fees require a minimum fee of $10. There is also a 1% foreign transaction fee. There is no annual fee for this platinum credit card.
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