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Variable Rate Platinum Rewards Credit Card review

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An easy-to-use credit card with unlimited 1x points on all purchases.

  • Get this card if you want to earn reward points without paying an annual fee.
  • 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.

$0

Annual fee

15.24% to 25.24%

Purchase APR (variable)

670

Recommended credit score

Details

Product NameVariable Rate Platinum Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR15.24% to 25.24% variable
Balance transfer APR15.24% to 25.24% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Penalty APR18% fixed
Foreign transaction fee1% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $25
Returned payment feeUp to $20

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

If you’re looking for a credit card with a simple, user-friendly rewards structure, consider the Variable Rate Platinum Rewards Credit Card. You’ll earn unlimited points on everything you buy with the card. The rewards rate may not be on par with similar bank-issued cards, but you get a low APR, which can save you money if you often carry a balance.

Another rewards credit card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Card benefits

  • Reward points.
    Earn 1x points on all purchases. This is below the standard 1.5x points that bank-issued cards offer but in line with most credit union reward cards.
    • Potentially low APR.
      Based on your creditworthiness, you can get a variable APR between 15.24% and 25.24% on purchases and balance transfers.
    • No annual fee.
      You can own the card without paying an annual fee.

    What to watch out for

    How to apply for the Variable Rate Platinum Rewards Credit Card

    To apply for the Variable Rate Platinum Rewards Credit Card, you must have a South Jersey FCU account. Once you do:

    1. Visit the South Jersey FCU website and locate the card.
    2. Click Apply now.
    3. Fill out the application form.
    4. Review the form and submit.

    What credit score do I need?

    You likely need at least a good credit score of 670 or higher to get an approval.

    Compare rewards credit cards

    Name Product Welcome offer Rewards Annual fee Filter values
    Citi Rewards+℠ Card
    Earn 15,000 points after spending $1,000 in the first 3 months
    Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
    $0
    The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
    Blue Cash Everyday® Card from American Express
    $150 after spending $1,000 in the first 3 months
    2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
    $0
    Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
    Capital One® VentureOne® Rewards Credit Card
    20,000 miles after spending $1,000 in the first 3 months
    1.25x miles on all purchases
    $0
    Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
    Chase Sapphire Preferred® Card
    60,000 points after spending $4,000 in the first 3 months
    5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
    $95
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
    CardMatch™ from creditcards.com
    See terms
    See terms
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    Can't decide on a card? Get personalized credit card offers with CardMatch™.

    Compare up to 4 providers

    Bottom line

    Consider the Variable Rate Platinum Rewards Credit Card if you’re a member of the South Jersey FCU and want an easy-to-use rewards credit card with a low APR.

    But if you think another card would serve you better, compare your credit card options before making a choice.

    Frequently asked questions

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