The New England Federal Credit Union offers its members a Visa Platinum card. You can choose between one with a lower interest rate and no rewards program, or one with a rewards program and a slightly higher interest rate.
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Because it is a platinum card, you’ll also receive many benefits when you use the New England FCU Visa Platinum credit card. To apply for membership, you must live or work in northern Vermont, where the NE FCU is located.
NE FCU Visa Platinum Credit Card Rewards
If you typically pay off your credit card debt every month, the New England Federal Credit Union Visa Platinum Rewards card would probably be the best choice. It has no annual fee and a 7.15% APR, though this is a variable rate.
With the rewards program, you’ll receive a point for each dollar you spend. Unlike most reward cards, you’ll also receive reward points on balance transfers as well. At any time you wish, you can redeem the points you have for cash.
However, if you don’t always pay your balance in full, the Visa Platinum without the rewards program would be better. It has a lower variable APR at 5.15%, also with no annual fee.
Both cards have no fees for cash advances or credit card balance transfer fees involved. There’s also no rate increase if you’re late with a payment. These low rates and lack of fees have customers all over the country switching to credit unions, according to MSN Money.
NE FCU Visa Platinum Credit Card Benefits
Whether you choose to enroll in the rewards program or not, the Visa Platinum cards have many benefits for the cardholder. The Warranty Manager program means that you can extend the manufacturer’s warranty on major purchases made with the card.
Also, if you pay for your rental car with the Visa Platinum, then the card will pay for any damage or loss of the rental car at no additional charge. This allows cardholders to refuse the rental car insurance from the rental agency.
As a Visa card, not only is it accepted by the largest network of merchants across the planet, but cardholders will have the security of Visa Fraud Protection program. And with Visa’s Zero Liability promise, you’ll never pay for fraudulent charges on your credit card.
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