The Visa Plus credit card offered by the Vons Employee Credit Union is the credit card with the lowest interest rate available from Vons. This Visa credit card is for people with very good to perfect credit and you cannot have any recent credit history problems if you hope to qualify for this card.
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Although this article refers to this credit card as a platinum credit card, Vons does not refer to it as such. Instead, this is simply the credit union’s Visa Plus credit card. Keep reading to learn more about the terms and conditions associated with this credit card.
Vons Employee Credit Union Visa Plus Credit Card Benefits
The Visa Plus credit card is a reward credit card associated with the Visa ScoreCard program. When you use your credit card, you will earn one point for each dollar you spend. Points can be redeemed for travel, gift cards, merchandise, and more.
Another benefit to the Visa Plus credit card is it has no annual fee.
In addition, you’ll receive travel insurance when you charge your travel purchase to your credit card, as well as rental car insurance, lost luggage protection, and more.
A great benefit is that this is a credit card with almost no fees. There is a foreign transaction fee of 1.8%. However, other than the over-the-limit fee and returned payment fees, which are a maximum of $29 for this credit card, there are no other fees.
Vons Employee Credit Union Visa Plus Credit Card Terms
The APR for the Visa Plus credit card is a fixed rate of 8.9%. According to Vons, it has the right to change this to a variable APR, or increase the APR at any time. However, according to the Credit Card Rules from the Federal Reserve, Vons must first provide you with a notice of the change 45 days prior to the change, in order to allow you to cancel your account if you choose.
If you’re more than ten days late on a credit card payment, then a penalty APR of 17.9% will be assigned to your credit card. This will apply to all new purchases, and will apply until you make six on-time payments consecutively.
Vons Employee Credit Union Visa Plus Credit Card Verdict
The APR for the Visa Plus credit card is okay considering that you must have very good to perfect credit in order to qualify for this rate. Truthfully, you can do better in terms of your APR, but you’re going to be hard-pressed to find better options when it comes to your terms.
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