The Cincinnati Police Credit Union Platinum Credit Card is a no-annual-fee Visa card designed for credit union members who want a straightforward rewards program. It earns points on everyday purchases through the ScoreCard/Rewards program, which can be redeemed for travel, merchandise, gift cards, or statement credits. There’s typically no signup bonus, so rewards start accumulating from day one.
Most users say the card is easy to use and simple to manage, especially for members who prefer credit union services over big banks. Many reviewers mentioned they appreciate the low-to-moderate APR range, no annual fee, and the ability to redeem rewards flexibly for travel or merchandise. Members also value the personalized customer service and accessible support from a local credit union.
Some cardholders note that reward earning is slower than with high-reward credit cards, and many mention that there’s no large signup bonus or flashy perks. Others pointed out that cash advance APR is higher and interest accrues immediately, which makes carrying a balance expensive.
Personally, I think this card is best for members who want a simple, low-cost rewards card and pay their balance in full each month. If you’re looking for big points or travel bonuses, a national credit card might deliver more value.
