This small, California-based credit union offers only one type of credit card, the Redwood Credit Union Visa Platinum card. Consumers have a choice of two different varieties of this credit card, one being the fixed APR option and the other coming with a variable rate. As explained by the Federal Reserve, lower credit card interest rates are a sign of having good credit, and they also signify that you will be able to easily qualify for more lines of credit.
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Credit card rewards, product protection plans, and roadside assistance are just a few of the additional benefits available to all Redwood Credit Union Visa Platinum cardholders. While you can only be approved for this line of credit cards if you are a Redwood Credit Union member, the application process is simply and easy.
Redwood CU Visa Platinum Credit Card Interest
If your credit card application is accepted for the standard rate Redwood CU Visa Platinum, you will pay 8.99% or 9.99% APR for regular purchases.
The variable rate version of the Redwood Credit Union Visa Platinum card varies between 9.49% and 17.99%.
Although you may end up getting a lower APR with the variable rate credit card, you get guaranteed lower rates with the non-variable card.
Redwood Credit Union Visa Platinum credit cardholders pay no yearly fee, no balance transfer charges, and no fees for going over their credit card’s limit. Interest rates for cash advances and balance transfers can be the same as your standard APR, or variable depending on the type of card for which you qualify.
Redwood CU Visa Platinum Credit Card Options
Although there is only one credit card from Redwood Credit Union, this card comes with several customizable options. Applicants have to indicate if they would rather have the flexible-rate card with slightly lower rates, or the fixed-rate Redwood Credit Union Visa Platinum.
Customers can also enroll in the Redwood Rewards Plus credit card program for an additional $35 a year. Other buyer protections like the travel insurance program also help cardholders to have better peace of mind when traveling.
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