Valley Visa® Platinum Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Intro purchase APR
- 0% for 18 months from account opening date
At a glance
The Valley Bank Visa® Platinum Card is a basic regional card with low APRs and an extensive introductory period; in other words, it could be the right card for handling that pesky balance you’ve been trying to get rid of or making that large purchase you’ve been considering.
Our review of the Valley Visa® Platinum Card
Looking for a no-frills credit card to help you pay down debt? The Valley Visa Platinum Credit Card from Valley National Bank might be just what you need. With no fancy rewards or perks, this card is focused on helping you tackle your debt without distractions.
Extended Introductory APR
Don’t let the lack of rewards fool you – the Valley Visa Platinum Card offers one of the longest introductory APR periods available. Enjoy 0% APR for 20 months on both purchases and balance transfers, all with no annual fee. This makes it a great option for consolidating debt or making a big purchase without accruing interest for over a year.
Visa Perks with the Valley Platinum Credit Card
While this card may not come with flashy rewards, it does offer some valuable Visa perks. Enjoy extended warranty coverage, collision damage waiver for rental cars, $0 fraud liability, emergency travel assistance, and 24-hour cardmember assistance.
Should You Apply for the Valley Visa Platinum Card?
If you’re looking to focus on paying down debt or improving your credit score, the Valley Visa Platinum Card could be a good fit. With a long introductory APR period and no penalty APR, it gives you the time and flexibility to manage your payments effectively. However, if you’re seeking more rewards and benefits, there are other 0% intro APR cards to consider.
Explore other credit card offers to find the best fit for your financial goals.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 0% introductory APR for 18 months on purchases
- 0% introductory APR for 18 months on balance transfers
- No annual fee
- Visa protections, including car rental collision waivers and zero fraud liability
Who this card may suit
- You're interested in banking with a regional institution
- You want a simple card that doesn’t distract with rewards
- You can take advantage of the lengthy introductory APR
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 18 months from account opening date |
| Regular Purchase APR | 19.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 18 months from account opening date |
| Balance Transfer APR | 19.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
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: Good Credit Fair Credit.
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Valley Visa® Platinum Card
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