| Rewards | You earn 1.5 points per $1 spent on all purchases (travel, dining, retail) |
|---|---|
| Signup Bonus | 20,000 reward points once you reach a cumulative $3,000 in transactions in the first 90 days after account opening |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 11.49%-18.00%, based on your creditworthiness (APR is subject to change) |
| Cash Advance Fee | None |
| Late Payment Fee | $29.00 or the amount of the minimum payment required, whichever is less, if your payment is three or more days late. |
| Purchases APR | 11.49% – 18.00%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The ABNB Visa Platinum Credit Card is known for being a no-annual-fee, low-interest card that focuses on affordability rather than flashy perks. It doesn’t offer rewards or cash-back programs, but it does come with competitive APRs (around 11.49%–18%), no cash-advance fees, and no balance transfer fees, which is rare these days.
Most users say they like the simplicity and low costs — especially those who carry a balance or want to consolidate higher-interest debt. Many reviewers mentioned that credit union service feels more personal and responsive compared to big-bank cards, which adds to the appeal.
On the downside, cardholders often note the lack of rewards, travel benefits, or signup bonuses. It’s a straightforward credit card — great for basic credit management, but not exciting for everyday spenders looking to earn points or miles.
Personally, I think the ABNB Visa Platinum is best for credit-union members who prioritize low rates and minimal fees over extras. If you’re after a simple, budget-friendly card to manage debt or build credit responsibly, it’s a solid choice. But if you want rewards or travel perks, you’ll find more value in a mainstream rewards card.
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