As an S.A.F.E. Credit Union member, you will receive lot of benefits. One benefit is that you can apply for the credit union’s credit cards. If you have good enough credit, you can apply for its Platinum Rewards Visa credit card.
Search for great credit cards for people with good credit by comparing them online for FREE here!
What qualifies as good credit can vary from bank to bank. However, in general, for a platinum credit card such as this one you’ll need to have a credit score of at least 720. In addition, you’ll have to meet other conditions, some of the criteria of which you can learn about from the Federal Reserve website.
S.A.F.E. Credit Union – Qualifying for the Visa Platinum Rewards Credit Card
As with most credit unions, you cannot apply for a credit card with S.A.F.E. unless you are a member. Membership is available to people in the following areas:
- El Dorado
- San Joaquin
As mentioned above, the Visa Platinum Rewards credit card is for people with very good to perfect credit.
So, in order to qualify, you want have to meet some pretty stringent credit criteria.
S.A.F.E. Credit Union – Terms
S.A.F.E. Credit Union has an introductory purchase APR for the Visa Platinum Rewards credit card of 1.9% for six months. When the introductory APR expires, it will increase to 8.9% to 18.9%, depending upon your credit score.
S.A.F.E. does apply a penalty APR if you’re late making a payment on your account, or if a payment you make is returned. The penalty APR is 23.9% and applies until you make six consecutive payments on time.
There are fees for cash advances and foreign transactions. The cash advance fee is $10 or 3% of your transaction total, and the credit card foreign transaction fee is 1% of your transaction total.
S.A.F.E. Credit Union – Verdict
This isn’t a bad credit card, and it offers a rewards program that allows you to earn one point for every one dollar you charge on your credit card. However, with a credit score requirement of 720 or above, the interest rates are a little high.
When you have great credit, you deserve great credit card rewards! Compare credit cards now for FREE!
- Visions Federal Credit Union Mastercard Credit Card
- Vons Employee Credit Union Visa Platinum Premium Credit Card
- Pacific Service Credit Union Visa Platinum Credit Card
- Grow Financial Federal Credit Union Visa Platinum Credit Card
- Coors Credit Union Credit Card
- Premier Members Federal Credit Union Visa Platinum Credit Card
- S.A.F.E. Credit Union Visa Platinum Credit Card