This Florida Credit Union Platinum Visa is a special Visa credit card that offers a fixed annual percentage rate. It is very uncommon in today’s credit card market to find a credit card with a fixed interest rate since the majority of cards have a variable interest rate.
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Terms with the Florida Credit Union Platinum Rate Visa Credit Card
When someone is looking for a new credit card, the interest rate of the card is one of the most important things they need to consider. If the cardholder is lucky enough to find a credit card with a fixed interest rate, they do not have to worry about their interest being increased suddenly as they would with a variable credit card APR.
This credit card has a fixed annual percentage rate of 17.90%. This interest rate applies to purchases, balance transfers, and cash advances. There is no penalty interest rate for this credit card, which means that even if the cardholder is late with a payment one month they do not have to worry about their interest rate being increased.
Florida Credit Union Platinum Rate Visa Credit Card Fees
The other thing that sets this card apart from other credit cards offered by the Florida Credit Union is that is has an annual fee. There is a $100 annual fee for this card, most likely because it is a fixed rate credit card.
There is no fee for balance transfers or cash advances, but there is a 1% foreign transfer transaction fee. There is a flat $35 fee for late payments and returned payments as well as going over the credit card limit. If the cardholder needs a replacement card, they will be charged a $25 fee.
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