One of the things that credit unions are known for is offering credit cards with little to no fees. In addition, they often offer credit cards with very low interest rates, even when they’re offering a rewards credit card such as the VyStar Credit Union Visa Platinum Cash Back credit card.
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The Platinum Cash Back Visa from VyStar is a credit card for people with very good to perfect credit. In fact, VyStar doesn’t offer any credit cards for those of you who have bumpy or bad credit.
VyStar Credit Union Platinum Cash Back Visa Qualifications
Before you can apply for the VyStar Platinum Cash Back Visa, you do have to become a member of VyStar. If you live, work, or worship in one of the following counties in Florida you can apply for a VyStar credit card. In addition, if you’re related to anyone who lives, works, or worships in any of these counties, then you’ll qualify as well.
The qualifying counties include:
- St. Johns
In addition, as mentioned above, you do need to have very good to perfect credit in order to qualify for the VyStar Visa Platinum Cash Back credit card. This means that you need to know where you stand in terms of your credit, which you can get by requesting a free credit report. Additionally, read through the Federal Trade Commission‘s information on Credit and Credit Cards.
VyStar Credit Union Platinum Cash Back Visa Credit Card Terms
Like all of the other credit cards offered by VyStar, this is a no-fee credit card.
This means there is no annual fee, as well as no ATM fees, balance transfer fees, and so on.
The one exclusion is that you will have a fee if you are late on your payment by more than ten days, or if your payment method doesn’t clear. The fee for these will be a maximum of $25.
There is an introductory APR for both balance transfers and purchases of 6% for six months–after six months the APR will be 9.5%. This APR also applies to cash advances, although there is no introductory offer for cash advances.
VyStar Credit Union Platinum Cash Back Visa Credit Card Verdict
The lack of fees associated with this credit card is nice. However, considering the credit score requirements, you might be able to get a better interest rate with another credit union or bank. It’s certainly worth taking the time to compare rates between different credit card offers.
Use the FREE credit card chaser tool to compare credit cards right now!
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