According to the Premier Members FCU, the credit union holds all of its members in such high regard that everyone is a VIP no matter how large their checking account might be or how good or bad their credit score. Because of this, the only credit cards they offer are platinum credit cards.
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According to Premier Members FCU, its platinum credit cards are available for people with a variety of credit scores. The credit union works with people who have bad credit, as well those of you with perfect credit.
Premier Members FCU Visa Platinum Credit Card Benefits
The Visa Platinum credit card is not a rewards credit card. Essentially, this is a classic credit card although it is available for people with all different credit scores.
There really aren’t any other benefits associated with this credit card other than low interest rates and a 25-day grace period for all purchases.
The credit limit for the Visa Platinum credit card starts at $500 and can exceed $50,000, based on your credit score, credit history, and a variety of other criteria that you can learn about from the Federal Reserve.
Premier Members FCU Visa Platinum Credit Card Terms
The APR for the Visa Platinum credit card is based on the prime rate. How you might see the interest rates displayed is based on the rate prior to the prime rate. For example, your interest rate might be 5.9% + prime.
There are five starting interest rate options that will be based upon your credit score.
These will be either 5.9%, 7.9%, 9.9%, 12.9%, or 16.9%.
All of these are the rates prior to adding the prime rate, which is currently 3.25%. This rate will change if the current credit prime rate changes.
Premier Members FCU does not divulge any information about foreign transaction fees, ATM fees, etc. on its website. However, the credit union is required to provide you with that information prior to you signing a contract with them.
Premier Members FCU Visa Platinum Credit Card Bottom Line
It’s nice that this credit card is available for a variety of different credit scores. Unfortunately, it’s difficult to make a great assessment about this credit card without more information from Premier Members Federal Credit Union.
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