| Rewards | On the “Platinum with Cash Rebates” card, you can earn up to 1.25% cash back on purchases. The rebate structure is tiered: 0.50% on your first $1,500 of net monthly purchases, 1.00% on the rest of your purchases that month, and 1.25% on all gas purchases. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | 3% transaction fee for each cash advance |
| Late Payment Fee | Up to $35.00 |
| Purchases APR | 13.50%–17.90%, depending on your creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The AgFed Credit Union Platinum Visa is known for its no-annual-fee structure, competitive APR, and the option to choose a cash-rebate version if you want rewards. It’s a step up from the Classic card, offering more value without adding complexity.
Most users say they appreciate the low costs and credit union–style transparency. Many reviewers mentioned that the Platinum card feels reliable for everyday spending, and those who picked the cash-rebate version like earning simple, automatic rewards without juggling categories.
On the flip side, some cardholders complain that the perks are still pretty minimal compared to big-bank cards. There’s no intro bonus, no travel benefits, and the rewards rate, while steady, isn’t the highest on the market. A few users also wish AgFed offered better digital tools.
Personally, I think the Platinum Visa is a great fit if you want a straightforward, low-cost credit card with optional rewards from a credit union you trust. It’s worth applying if simplicity and stability matter to you, but if you’re chasing premium perks or large signup bonuses, you’ll likely find more excitement elsewhere.
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