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South Jersey Federal Credit Union Platinum Visa® Credit Card review

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Kliment Dukovski
Last updated:  

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

11.4% to 14.4%

Purchase APR (variable)

670

Recommended credit score

Details

Annual fee$0
Welcome OfferN/A
Rewards1x points on all purchases
Purchase APR11.4% to 14.4% variable
Balance transfer APR11.4% to 14.4% variable
Recommended minimum credit score670
IssuerVisa
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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 South Jersey Federal Credit Union Platinum Visa® 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.

How to apply for the South Jersey Federal Credit Union Platinum Visa® Credit Card

To apply for the South Jersey Federal Credit Union Platinum Visa® 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.

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 11.4% and 14.4% on purchases and balance transfers.
    • No annual fee.
      You can own the card without paying an annual fee.

    What to watch out for

    Compare rewards credit cards

    Name Product Welcome offer Rewards Annual fee Filter values
    Blue Cash Preferred® Card from American Express
    Blue Cash Preferred® Card from American Express
    20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
    6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
    $0 intro annual fee for the first year ($95 thereafter)
    Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
    Apply now
    View details
    Blue Cash Everyday® Card from American Express
    Blue Cash Everyday® Card from American Express
    20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 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 (redeem as statement credit)
    $0
    This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
    Apply now
    View details
    Chase Freedom Unlimited®
    Chase Freedom Unlimited®
    $200 after spending $500 in the first 3 months
    5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
    $0
    This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
    Apply now
    View details
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    Compare up to 4 providers

    Bottom line

    Consider the South Jersey Federal Credit Union Platinum Visa® 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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