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South Jersey Federal Credit Union Platinum Visa® 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

11.4% to 14.4%

Purchase APR (variable)

670

Recommended credit score

Details

Product NameSouth Jersey Federal Credit Union Platinum Visa® Credit Card
Card typeVisa
Annual fee$0
Purchase APR11.4% to 14.4% variable
Balance transfer APR11.4% to 14.4% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate11.4% to 14.4% fixed
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 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
    $300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
    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
    $0 intro annual fee for the first year ($95 thereafter)
    Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
    Blue Cash Everyday® Card from American Express
    20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
    20% at Amazon.com up to $200 back in 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
    $0
    This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
    Chase Freedom Flex℠
    $200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
    5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
    $0
    Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
    Chase Sapphire Preferred® Card
    60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
    5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
    $95
    Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
    Citi® Double Cash Card
    N/A
    Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
    $0
    Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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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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