ABNB MasterCard Platinum Credit Card | Reviews

CARD OVERVIEW

The ABNB Federal Credit Union MasterCard Platinum Credit Card is a modest, no-frills option from a credit union rather than a major bank. It’s known for its low variable APR range (about 11.49% to 18.00%), no annual fee, and no cash-advance fee for some versions.

What people like: Many cardholders appreciate the low cost structure — “no annual fee” and “no cash-advance fee” get frequent mention. The fact that you’re dealing with a credit union rather than a big bank also earns positive sentiment (“friendly service”, “local institution”).

What people dislike: On the flip side, the reward or perk features are essentially non-existent. One review notes that the Visa Platinum version “does not offer rewards or cash back”. Also, being a credit union card means eligibility is restricted (you must be a member), and features like sign-up bonuses or extensive perks tend to be missing.

My take: Personally, I think this card is best for someone who already has a membership with ABNB FCU, wants a straightforward card, and cares more about a low interest rate and few fees than about flashy rewards. If you’re looking for a card with travel perks, a large signup bonus, or robust rewards, this probably isn’t worth applying for — but if your focus is simplicity and cost-effectiveness, it could be a solid fit.