When you have established some decent credit for yourself, it’s only natural that you expect to be rewarded for your better credit. One way that credit card companies reward their customers is by offering them credit cards with higher credit limits and lower interest rates.
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The one credit card offered by Robins Federal Credit Union specifically for people with good credit is the Visa Platinum credit card with a variable rate. In order to apply for the Visa Platinum credit card, you have to have a credit score of 720 or higher, and you must be a member of the Robins Federal Credit Union.
Benefits of the Robins Visa Platinum Variable Credit Card
Generally, a platinum credit card is meant to be more beneficial than other types of credit cards.
Surprisingly, the benefits for this particular Visa Platinum credit card are actually quite limited.
In fact, with a couple of exceptions, the benefits offered by this Visa Platinum credit card are the same as those offered by Robins FCU’s classic credit card.
The benefits for the Robins FCU Visa Platinum variable credit card include:
- Rental car coverage
- Travel accident insurance
- No cash advance or balance transfer fees
- Zero fraud liability
- $25,000 maximum credit limit
The only addition to the benefits for the Robins FCU Platinum Visa as compared to its Classic Visa are the higher credit limit, which is $10,000 more than the classic credit card, and the travel accident insurance, which is not included with the classic Visa. Many other credit card companies offer a much more extensive benefit offering for people with better credit.
Terms of the Robins Federal Credit Union Visa Platinum Variable Credit Card
All of the terms for the Visa Platinum variable credit card are compliant with the Federal Reserve Credit Card Rules. These terms include:
- 8.95% to 18% APR (variable) for purchases, cash advances, and balance transfers
- 18% penalty APR
- No annual fee
- No cash advance fee
- 1% foreign transaction fee
- $25 late payment and returned payment fee
Robins Federal Credit Union Visa Platinum Variable Credit Card Verdict
This credit card really doesn’t have anything special to offer. It’s not bad, but it’s not great either.
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