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ECU Platinum Preferred Visa® Credit Card review

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This card’s fixed 9.90% purchase APR rate separates it from the rest.

  • Get this card if you’re an ECU member who wants to earn rewards and save money with a low APR.
  • Pick something else if you want an intro APR period or a signup bonus.
  • Apply with a good to excellent credit score of 670 or higher.

Up to 1x



Annual fee


Purchase APR (fixed)


Recommended credit score


Product NameECU Platinum Preferred Visa® Credit Card
Annual fee$0
Purchase APR9.9% fixed
Balance transfer APR9.9% fixed
Balance transfer feeNone
Cash advance rate9.9% fixed
Cash advance feeNone
Interest free periodUp to 25 days
Late payment feeUp to $25

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The ECU Platinum Preferred Visa® Credit Card lets you earn unlimited points on your purchases, but what really makes this card stand out is its low fixed APR. The card also comes with a high minimum credit line and you can even request a credit line during your application process, or at a later date.

But don’t expect to earn a signup bonus or use a 0% intro APR period.

Card benefits

  • Fixed APR. You get a low fixed APR of 9.9%. This is generous compared to most reward credit cards that may impose an APR of up to 28%.
  • Reward points. Earn at least 1x points on all of your purchases. Similar credit cards offer 1.5x points, but don’t have a low fixed APR.
  • High minimum credit line. With this card, you can get a minimum of $2,500 credit line. You can request a higher credit line when filling out the application form or after you get the card. Similar cards often start from $500 credit line.
  • No annual and balance transfer fees. Save money without paying an annual fee or a balance transfer fee.

What to watch out for

  • No signup bonus. Upon signup, you won’t get to earn any kind of bonus. Compare credit cards with bonus offers if this is a perk you value.
  • No intro APR period. While this card offers one of the lowest APRs in the industry, you could still find a 0% intro APR with other cards.

Compare low APR credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Blue Cash Preferred® Card from American Express
0% intro for the first 12 months (then 13.99% to 23.99% variable)
6% cash back at US supermarkets. Rates & fees
American Express Cash Magnet® Card
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Unlimited 1.5% cash back. Rates & fees
CardMatch™ from
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.

Compare up to 4 providers

How to apply for the ECU Platinum Preferred Visa® Credit Card

If you are an ECU member you can apply for this card by following these steps:

  1. Visit the Eastman Credit Union website and locate the card.
  2. Click Apply now.
  3. Check Visa Credit Card in the next section and select Platinum Preferred.
  4. Fill out the application form.
  5. Review the form and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 670 or higher.

Bottom line

Consider the ECU Platinum Preferred Visa® Credit Card if you want to earn rewards on your purchases. Aside from earning points on your purchases, you get one of the lowest fixed APRs available to a credit card. Plus you get to pay fewer fees than competitor cards.

However, you won’t get a signup bonus or a 0% intro APR period. Before applying, make sure to compare credit cards to find a card that matches your needs.

Frequently asked questions

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