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CCU Platinum Rewards Visa card

CCU Platinum Rewards Visa

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
0% for 365 days after account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The CCU Platinum Rewards Visa Card is an uncomplicated rewards credit card from Illinois-based Consumers Credit Union. The card earns a flat-rate one point for every dollar spent on purchases – points which are applicable towards rewards such as travel, merchandise, gift cards, and more. Points earned through the CURewards program have a shelf life of three years, meaning while you have time to save, you don’t have an eternity. The card also features a reasonably competitive APR and no annual fee.

Our review of the CCU Platinum Rewards Visa

The CCU Platinum Rewards Visa is a top rewards credit card option from Consumers Credit Union in Northern Illinois. With a simple points system through the CURewards program, cardholders earn points for every dollar spent on purchases. These points can be redeemed for travel, cruises, rental cars, merchandise, gift cards, and more, making it a versatile choice for rewards.

The APR for the CCU Platinum Rewards Visa starts around 14%, but this rate can vary based on creditworthiness and the Prime Rate. While this APR is competitive, there are other rewards cards with lower starting rates. However, the card’s lack of an annual fee and flat-rate rewards earning potential make it a solid choice for everyday spending.

In addition to its rewards program, the CCU Platinum Rewards Visa offers typical Visa perks and protections, including fraud and purchase protections, auto rental collision insurance, and travel and emergency assistance. Overall, this card is a reliable option for those looking for a straightforward rewards credit card without an annual fee.

Considering applying for the CCU Platinum Rewards Visa? Explore other card offers from CCU to find the best fit for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Automatic enrollment in CURewards Program
  • Exchange points for merchandise, travel, and experiences
  • Earn 1 point for every dollar spent
  • Comprehensive fraud protection
  • No annual fee

Who this card may suit

  • You want a no-nonsense rewards credit card
  • You don’t want to pay any annual fees
  • You want to earn rewards for everyday purchases
  • You already bank with Consumers Credit Unio

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 365 days after account opening date
Regular Purchase APR16.70% to 27.70% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 365 days after account opening date
Balance Transfer APR16.70% to 27.70% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $5 or 3% of each balance transfer, whichever is greater
Cash Advance APR16.70% to 27.70% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction FeeEither $5 or 5% of each cash advance, whichever is greater
Foreign Transaction Fee1% of the transaction in U.S. dollars
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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CCU Platinum Rewards Visa

Apply Now for CCU Platinum Rewards Visa (opens in a new tab)

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