The First Community Credit Union Visa Platinum Preferred is a credit card that offers rewards to its users. This is only available to members of the First Community Credit Union, or FCCU.
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FCCU Visa Platinum Preferred Rewards
The FCCU Visa Platinum Preferred card participates in the ScoreCard reward program, like hundreds of credit unions across the country. The program assigns a point value for every dollar you spend. For most purchases, you’ll get a point per dollar. Points usually do no accrue on credit card cash advances or balance transfers.
The points can then be redeemed for any of the prizes listed in the ScoreCard catalog. These rewards can be anything from electronics to airfare. Sometimes you can even use them toward experiences like concerts or adventure sports like rock climbing or white water rafting.
As a Visa Platinum, the card also offers the perks one would expect from such a card. You’ll have access to a dedicated concierge service. Be sure to make your plane reservations, cruise reservations, or pay for your gas and hotel bills with the FCCU Visa Platinum Preferred, as this will make you eligible for an much as a million dollars in travel accident insurance for free.
FCCU Visa Platinum Preferred Account Information
To be eligible for the FCCU Visa Platinum Preferred, you must become a member of the First Community Credit Union. Membership is open to most of the residents of the Missouri and Illinois counties surrounding St. Louis.
Though they offer many of the services of a bank, a credit union is different from a bank in many ways. According to the federal government’s website MyCreditUnion.gov, credit unions are member-owned, non-profit organizations. Any profit made is returned to the members as dividends. This also usually results in lower fees on loans, like credit cards, and higher returns on items like savings accounts.
The FCCU Visa Platinum Preferred has an APR of 11.9% and an annual fee of $19.
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