| Rewards | The Visa Platinum Rewards card earns reward points on every purchase that can be redeemed for travel, merchandise, cash back or other rewards through the issuer’s rewards portal. |
|---|---|
| Signup Bonus | None |
| Annual Fee | None. |
| Cardmember Agreement | View Here |
| Cash Advance APR | Visa Platinum as low as about 12.49% APR and Visa Platinum Rewards as low as about 13.49% APR. |
| Cash Advance Fee | No separate cash advance fee |
| Late Payment Fee | Up to $25 |
| Purchases APR | Visa Platinum — as low as 12.49% APR variable Visa Platinum Rewards — as low as 13.49% APR variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The CFCU Visa Credit Card is known for its no-annual-fee and straightforward rewards structure, making it appealing to everyday spenders who want a simple, reliable card. Most users say they appreciate the easy-to-earn reward points, which can be redeemed for travel, merchandise, or cash back, along with the low variable APR compared with many big-bank cards. Many reviewers mentioned that CFCU’s member-focused customer service and clear, transparent terms make the card easy to manage and low-stress.
On the downside, cardholders often point out the lack of a sign-up bonus and that the rewards program is more modest compared with national credit cards or premium rewards options. Some also note that online banking tools, while functional, aren’t as flashy as those offered by larger banks.
Personally, I think this card is best for members who value simplicity, low fees, and local credit union support. It’s a solid, low-risk option for daily use and building credit without unnecessary complexity. However, if you’re chasing large rewards, travel perks, or sign-up bonuses, you may want to explore other cards with more aggressive incentives.
RATE THIS CREDIT CARD
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Solid local credit union everyday card
I use this card for groceries and small bill no annual fee and and straightforward rewards make it easy to earn points. The low interest rate and friendly service keep it in my wallet.
