The SeaComm FCU is a credit union located in Massena, New York. Anyone who works or lives in St. Lawrence or northern Franklin counties in New York can qualify to become members of the SeaComm FCU.
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The SeaComm FCU Visa Platinum cash back credit card is a basic credit card. This cash back Visa credit card is marketed as a credit card for reestablishing or building credit for the first time.
Benefits of the SeaComm FCU Visa Platinum Cash Back Credit Card
The first benefit to choosing this Visa credit card is that the credit lines can vary between $250 and$25,000, depending upon your credit score. In addition, your credit line and your APR will be adjusted every six months based on your changing credit score, which complies with the Credit Card Rules from the Federal Reserve.
You will also receive travel insurance of $250,000 when you travel by bus, airline, ship, or train. You’ll also qualify for rental car insurance when you charge your rental to your SeaComm FCU Visa Platinum Cash Back credit card.
As for the cash back program, you receive 1% cash back for the total balance for each of your purchases. However, the cash back on your credit card is paid annually every December and not on your card anniversary.
Instead of receiving actual cash, your credit card will be credited for the total amount that you have in cash back rewards.
Terms of the SeaComm FCU Visa Platinum Cash Back Credit Card
The APR for the Visa Platinum Cash Back credit card will range between 8.99% and 17.95%, based on your creditworthiness. This rate is variable based on the prime rate. Your chosen APR will apply to purchases, balance transfers, and cash advances. There is no penalty APR.
While there is no transaction fee or balance transfer fee, there is a 1% foreign transaction fee. If you have a late payment or a payment is returned, then the fee will be a maximum of $15.
Verdict for the SeaComm FCU Visa Platinum Cash Back Credit Card
While this credit card is a viable option for people with a variety of credit scores and the lack of fees is nice, the cash back program isn’t good at all. It’s technically not even cash back, as you never receive any cash as part of program. It’s more of a rebate credit card program. You should definitely compare other cash back credit cards to this one to see which offers are the best.
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