This Platinum Rewards Visa credit card from the Los Angeles Police Federal Credit Union is a great choice for credit union members that want more out of their credit card than just a good rate. This card lets the cardholder earn points for more than just purchases.
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Finding the best way to use a rewards card can be confusing for some people. The Suze Orman financial website gives great advice on this subject.
Los Angeles Police FCU Platinum Rewards Visa Credit Card Perks
As a rewards credit card, this Visa lets the cardholder earn special points with every purchase. Once they have collected enough points, they can then exchange them for special things they want like plane tickets and electronics. This card also lets cardholders earn cash back rewards so, instead of exchanging points for merchandise, the cardholder can choose to have cash refunded to their card instead.
The cardholder will earn one point for every $1 they spend on purchases with their card. This is how most rewards credit cards work.
One thing that sets this Platinum Rewards Visa apart from others is that the cardholder can also earn rewards points through balance transfers.
The cardholder earns one point for every dollar transferred onto the card. There is no limit to how many points a cardholder can earn and their points will never expire.
Los Angeles Police FCU Platinum Rewards Visa Credit Card Rates and Fees
Since this is a rewards card, the basic interest rate is slightly higher than with a normal credit card. Depending on the cardholder’s creditworthiness, their interest rate can be 9.15%, 11.24%, or 14.24%. This rate applies to balance transfers, cash advances, and purchases. There is no interest at all on this credit card for the first six months.
There is no credit card balance transfer fee. The fact that there is no fee for balance transfers and the cardholder can earn rewards points for every transfer makes this is a great card for someone that wants to transfer a high balance from another card with a high interest rate.
In fact, because this credit card allows customers to earn cash back rewards on balance transfers as well as purchases might make it one of the best cash back rewards credit cards available!
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