For some people it is not enough to just use their credit card as usual, they want special perks. A rewards credit card is a perfect choice for these people. A rewards card allows the cardholder to earn points that can later be exchanged for merchandise or travel perks.
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One drawback to a rewards credit card is that the cardholder might start making extra purchases with their credit card just to earn more points. If the cardholder cannot pay off their balance each month, this could mean a quick accumulation of interest fees. Since rewards cards tend to have higher interest rates than regular credit cards these fees can get out of control fast. More information about controlling interest charges can be found at SmartMoney.
Terms of the Community First Credit Union Platinum Rewards Visa Credit Card
The annual percentage rate for this credit card can be anywhere from 10.99% to 18.99%. Only the cardholders with the best credit scores will qualify for the lower interest rate. This rate applies to cash advances, purchases, and balance transfers. It would benefit the cardholder to pay off their balance each month just to avoid interest fees. If that is not an option, they should always pay more than the minimum amount due.
There is no annual fee for this card and no fee for balance transfers. There is a $5 fee for cash advances. If the cardholder makes a payment late or has a payment returned they could expect a $25 fee to be applied to their account.
Rewards for the Community First Credit Union Platinum Rewards Visa Credit Card
The cardholder earns a point for every dollar they spend. This card is part of the CURewards program. The cardholder can redeem their points for:
- Plane tickets and flight upgrades
- Home merchandise
- Hotel stays
- Car rentals
- Special travel excursions
- Statement credits
- Gift cards
- Other vacation related experiences
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