Variable Rate Platinum Rewards Credit Card review
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.
15.24% to 25.24%
Purchase APR (variable)
Recommended credit score
|Product Name||Variable Rate Platinum Rewards Credit Card|
|Purchase APR||15.24% to 25.24% variable|
|Balance transfer APR||15.24% to 25.24% variable|
|Balance transfer fee||$5 or 3% of the transaction, whichever is greater|
|Penalty APR||18% fixed|
|Foreign transaction fee||1% of the transaction value|
|Interest free period||Up to 25 days|
|Late payment fee||Up to $25|
|Returned payment fee||Up to $20|
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.
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.
- 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.
- No signup bonus.
This card doesn’t give you the option to earn a large batch of reward points when you open your account. If that’s a feature you prefer, compare credit cards with bonus offers.
- No intro APR period.
The card comes with a low APR on balance transfers and purchases, but if you want to save more money on interest, compare 0% intro APR cards.
- Foreign transaction fees.
You’ll incur a 1% fee of the amount of each transaction made abroad with the card. To avoid this, compare credit cards with no foreign transaction fees.
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:
- Visit the South Jersey FCU website and locate the card.
- Click Apply now.
- Fill out the application form.
- 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
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.