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South Jersey Federal Credit Union Platinum Visa® 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.
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$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
Minimum Credit Score670
IssuerVisa
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Review by


Kliment Dukovski is a credit cards and investments 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.

South Jersey Federal Credit Union Platinum Visa® Credit 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.

South Jersey Federal Credit Union Platinum Visa® Credit Card drawbacks

      • 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.

Compare rewards credit cards

If this card isn’t right for you, compare other rewards cards on the market. Consider the type of rewards you want — cash back or travel — if you want to pay an annual fee and what the APR is.

Name Product Welcome Offer Rewards Annual fee Filter values
BlockFi Bitcoin Rewards Credit Card
Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
$0
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
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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.

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