The Elevations Credit Union (ECU) Vista Platinum Visa credit card was a rewards credit card for those who didn’t qualify for ECU’s lowest rate card. This card is no longer available. This review looks at the credit card options now available from ECU.
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ECU Visa Cards Now Under One Name
Formerly, ECU offered a range of Visa credit cards. Your credit rating determined whether you qualified for the Peak Platinum, only available to those with excellent credit, the Vista Platinum, the Gold Platinum, etc. If you didn’t qualify for the Peak Platinum, with a fixed APR of 8.99%, you could get the Vista Platinum, with a slightly higher APR.
Recently ECU has completely revamped their credit cards and only offers two of them. One is a credit card for students and the other is the Visa Peak Platinum. The ECU Visa Peak Platinum now has a variable APR of 8.99% all the way up to 13.99%. In the past, you would have been assigned the ECU Vista Platinum if you didn’t qualify for the Peak Platinum, but now everyone gets a Peak Platinum. However, the interest rate will vary depending on your credit score.
However, all cardholders, no matter what the APR, participate in both the ScoreCard rewards program and the Rainbow Rewards Program. ScoreCard is a points based reward system. When you purchase anything on your card, you are given a point for every dollar you spent. The points can be redeemed for a variety of rewards, including airfare.
The Rainbow Rewards program gives you up to 33% cash back when you buy from participating sellers. You’ll be enrolled in both programs simultaneously to maximize your rewards.
ECU Credit Card Advantages
As non-profit, member-owned financial institutions, credit unions approach fees and interest rates differently than banks do, says the National Credit Union Association. Because the members are the shareholders, profits are divided among them and they strive to keep interest rates on loans and credit cards low.
The ECU Visa Peak Platinum has no credit card annual fee, no balance transfer fee, and no cash advance fee. The interest rate for purchases is the same as the cash advance rate.
Compare credit cards like this one simply by using the credit card finder on this page!
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