The Palmetto Citizens Federal Credit Union Visa Platinum credit card is for individuals with very good credit. In addition, you will have to qualify for membership at the Palmetto Citizens FCU in order to apply for the credit card at all.
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To become a member of Palmetto Citizens FCU, all you need is to live, attend school, work, or go to church in Fairfield, Richland, Newberry, or Lexington counties in South Carolina. In addition, you need to open up a Palmetto Citizens Federal Credit Union savings account with at least $5 in it.
Palmetto Citizens FCU Visa Credit Card Rewards Program
The rewards program offered by Palmetto Citizens FCU is similar to rewards programs offered by most credit unions. What this means is that it simply offers one point for every $1 that you spend using your credit card. You’ll find that there are no other ways to earn additional points.
Points are redeemed via the Visa ScoreCard website. You can redeem your rewards points for merchandise, travel, gift cards, and much more.
The way that this rewards program is different is that Palmetto Citizens FCU allows you to combine your points with your other PC FCU credit or debit cards. In addition, you can combine your points with the points of another member at PC FCU, so long as they agree with the combination.
Palmetto Citizens FCU Visa Platinum Credit Card Fees
The Federal Reserve has very specific rules about the fees that a credit card company can charge and the Palmetto Citizens FCU follows every one of them.
What’s more, they charge much less in fees than they are allowed to, which is often one of the benefits of choosing a credit card from a credit union.
There is no annual fee for this credit card. In addition, you’ll find that there are no fees for credit card balance transfers either, nor is there a penalty APR. The APR for this credit card starts at 9.9% and will be based upon your credit score.
There is a $15 fee if you go over your credit limit. If you have a late payment, the maximum amount charged by the PC FCU will be $25, and will be based on your total balance owed.
Palmetto Citizens FCU Visa Platinum Credit Card Verdict
This credit card offers low fees and a reasonable way to collect points for its rewards program. If you qualify for membership to the credit union and you have the necessary credit score, this is a card you should consider.
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