Premier Members Federal Credit Union offers two Platinum credit cards. One is a classic credit card, while the other is a rewards credit card called the Visa Platinum Rewards credit card.
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Although Premier Members FCU doesn’t offer bad credit credit cards –as they only offer these two platinum credit cards–they do offer credit cards for people with lower credit scores and a bumpy credit history. Essentially, Premier Members FCU believes that everyone, no matter what his or her credit score might be, should be able to have a platinum credit card.
Qualifications for the Visa Platinum Rewards Credit Card from Premier Members FCU
There are several qualifications that you must meet in order to qualify for the Premier Members FCU Visa Platinum Rewards credit card. The first qualification is you do have to be a member of the Premier Members Federal Credit Union.
Premier Members FCU has a very limited membership allotment. They offer membership to people who work at specific organizations and places of employment in Colorado. In addition, anyone who’s related to current Premier Members FCU members also qualifies as a member.
Although you don’t have to have perfect credit in order to qualify for a credit card, you do have to meet certain income, debt-to-income, and credit history requirements. The Federal Reserve offers information about these criteria if you want to learn more.
When applying for the Visa Platinum Rewards credit card from Premier Members FCU, you may need to provide proof of income. The credit union may also verify your employment by calling your employer.
Rewards for Using the Premier Members FCU Visa Platinum Rewards Credit Card
The rewards program for the Visa Platinum Rewards credit card is based on the Visa ScoreCard Point Redemption program.
You will earn one point for every $1 that you spend.
You cannot earn any additional points other than the 1:1 ratio.
You can redeem your points at the Visa ScoreCard website for travel, gift cards, cash, and more. There is no cap on the amount of points you can earn, but they do expire after five years.
Terms of the Visa Platinum Rewards Credit Card from Premier Members FCU
That interest rate for the Premier Members FCU Visa Platinum Rewards credit card will range from 10.15% to 22.15%. The credit limit will start at $500, with no maximum stated. There is no information about associated fees on the Premier Members website.
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