If you’re looking for a ScoreCard rewards credit card and you’re a member of the SeaComm Federal Credit Union, then you might want to consider the SeaComm Visa Platinum Points credit card. This credit card is available to people with a variety of credit scores from fair credit to perfect credit.
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In order to become a member of the SeaComm FCU, you only have to live, worship, go to school or work in St. Lawrence County or Northern Franklin County, New York. In addition, you have to deposit $5 into a Share Savings account. You can then apply for any of their credit cards, if you are over 18 years of age.
SeaComm FCU Visa Platinum Points Credit Card Rewards Program
Like many credit unions, the Visa Platinum Points credit card rewards program is pretty basic. You can earn one point for every one dollar that you charge to your credit card. This program does not apply to cash advances or balance transfers; it only applies to purchases. To redeem your points you have to visit the ScoreCard website.
You can redeem your points for anything on the Scorecard website providing you have enough rewards points to cover your purchase rewards include travel, merchandise, cash, and more. What’s more, if you register on the ScoreCard Rewards website, you can save money on purchases by buying through the actual website.
SeaComm FCU Visa Platinum Points Credit Card Terms
Your credit limit will be based upon your creditworthiness and can start at $250. There is no annual fee, ATM fee, for balance transfer fee.
Your APR will be based on your credit score and it can range between 8.99% and 17.95% for purchases, balance transfers, and cash advances.
The APR is based on the current credit prime rate, which makes it a variable APR.
SeaComm FCU Visa Platinum Points Credit Card Verdict
This Visa Platinum credit card is nice in terms of being available for people with a variety of credit scores. What’s more, SeaComm will run your credit every six months and increase your credit limit and decrease your APR if your credit score improves. This is actually a requirement by the Federal Reserve for all creditors.
It’s important that you compare this rewards program with the rewards programs from other credit card companies, because this one offers very minimal point-earning potential.
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