| Last updated on January 31st, 2024
Pacific Service Visa Platinum Rewards Starter Card
Pacific Service Visa Platinum Rewards Starter Card
Pacific Service Visa Platinum Rewards Starter Card
- 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Pacific Service Visa Platinum Rewards Starter is a reliable entry-level credit card for students or those looking to establish a strong credit history. The card features a low APR from around 9.5% variable and offers no annual fee, no foreign transaction fees, and no fees for balance transfers or cash advances. The card also earns one point for every dollar spent on purchases, which are redeemable towards gift cards, merchandise, travel, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Establish credit with a low APR
- Manageable credit limit
- Regular Purchase APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: $10
- Return Payment Penalty Fee: Up to $25
- You're looking to establish a strong credit history
- You want a reasonable credit limit but a great APR
- You don’t want to pay annual fees or foreign transaction fees
Pacific Service Visa Platinum Rewards Starter Card Review
The Pacific Service Visa Platinum Rewards Starter Card is an ideal first credit card from Pacific Service Credit Union. The card, like a student credit card – or even a secured credit card – is designed for those looking to establish their credit for the first time. Unlike many of these cards, however, it is essentially the same as its bigger brother, the Pacific Service Visa Platinum Rewards.
The Platinum Rewards Starter has the same excellent APR as the regular Visa Platinum Rewards card, with the typical APR varying from around 9.5% to about 14.5% depending on the creditworthiness of the applicant, as well as the current Prime Rate. Additionally, the card benefits from no annual fee, no foreign transaction fees, and no fees for services such as balance transfers or cash advances.
The Pacific Service Visa Platinum Rewards Starter also benefits from the same Scorecard Rewards program points earning potential of its bigger brother. Cardholders earn a single point for every dollar they spend on purchases with the Pacific Service Visa Platinum Rewards Starter – points which can be used for gift cards, travel, merchandise, and many other rewards.
While the Pacific Service Visa Platinum Rewards Starter Card is in many ways like the Pacific Service Visa Platinum Rewards, it differs in that it offers a smaller credit line to successful applicants. While less available credit may seem like a downside, the contrary is true. The Platinum Rewards Starter is an excellent option for those early in their credit lives, as it provides the tools for responsible use and establishing a great credit score. What’s better, is that these tools are presented in a package that includes an excellent interest rate and a decent point earning system.
Should You Apply for the Pacific Service Visa Platinum Rewards Starter Card?
The Pacific Service Visa Platinum Rewards Starter is an exceptional choice for those looking to build a history of responsible credit use and is an excellent tool for those who are looking to develop a long – and fruitful – financial relationship with the Pacific Service Credit Union. While the Pacific Service Visa Platinum Rewards Starter Card may not be available to everyone, for those Pacific Service members with younger relatives – or anyone looking to start their credit journey – this is a great card to consider.
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