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Last updated on May 12th, 2021
Pacific Service Secured Visa Platinum Rewards
- Regular Purchase APR 7.5% to 12.5% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.5% to 12.5% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 7.5% to 12.5% variable based on creditworthiness and the Prime Rate
- Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Visa
- No annual fee
- No balance transfer fee
- No cash advance fee
- No foreign transaction fees
- Regular Purchase APR: 7.5% to 12.5% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 7.5% to 12.5% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 7.5% to 12.5% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $500
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At a Glance
The Pacific Service Secured Visa Platinum Rewards Card is a great secured credit card for those looking to rebuild their credit score. The card, which requires a minimum deposit of $500, features the same rewards as other Pacific Service Visa cards, including earning one point for every dollar spent on purchases. Points earned through the Scorecard Rewards program are applicable for rewards such as gift cards, cash back, travel, and more. The card also features no annual fee and no fees for foreign transactions, balance transfers, and cash advances.
Ideal for Those Who:
- Are looking to rebuild your credit
- Are already a member of Pacific Service Credit Union
- Don’t want to pay an annual fee
- Don’t like paying fees for balance transfers, cash advances, or foreign transactions
Pacific Service Secured Visa Platinum Rewards Review
The Pacific Service Secured Visa Platinum Rewards Card is a secured rewards credit card from Pacific Service Credit Union. The card, a secured credit card, is ideal for those who are either on the entry-level rung of the credit ladder or have had some hiccups in the past and are looking to get their credit score back to where they want it.
The card, like the other offerings from Pacific Service Credit Union, allows cardholders to earn points with every purchase they make – in this instance, one point for every dollar spent. Points earned with the card are redeemable for rewards in the Scorecard Rewards program, with rewards such as gift cards, cash back, merchandise, travel, and more.
Like any other secured credit card, the Pacific Service Secured Visa Platinum Rewards Card is opened by using deposited funds – in this instance funds already in a Pacific Service savings or checking account – as collateral for the credit line. This deposit also acts as the credit line, with a minimum of $500 required upfront.
Should You Apply for the Pacific Service Secured Visa Platinum Rewards Card?
For those looking to rebuild their credit, the Pacific Service Secured Visa Platinum Rewards Card is a reliable option. The card features a competitive APR, no annual fee, no foreign transaction fees, and no fees for hidden costs, such as balance transfers or cash advances. The additional perk of earning rewards points with every purchase makes this card perfect for those who want to rebuild their credit and get rewarded for proper financial responsibility at the same time
Related Article: What Are the Best Secured Cards for Building Credit?