Pacific Service Visa Platinum Rewards Starter Card

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Last updated on January 14th, 2021

Pacific Service Visa Platinum Rewards Starter Card

Build Your Credit Score With a Low APR

Pacific Service Visa Platinum Rewards Starter Card
  • Regular Purchase APR 7.25% to 12.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.25% to 12.25% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.25% to 12.25% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Establish credit with a low APR
  • Manageable credit limit
Rates & Fees
  • Regular Purchase APR: 7.25% to 12.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 7.25% to 12.25% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.25% to 12.25% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: Up to $25
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At a Glance

The Pacific Service Visa Platinum Rewards Starter is a reliable entry-level credit card for students or those looking to establish a strong credit history. The card features a low APR from around 9.5% variable and offers no annual fee, no foreign transaction fees, and no fees for balance transfers or cash advances. The card also earns one point for every dollar spent on purchases, which are redeemable towards gift cards, merchandise, travel, and more. The card offers a lower credit level, making it ideal for establishing good credit practices for the future.

Ideal for Those Who:

  • Are looking to establish a strong credit history
  • Want a reasonable credit limit but a great APR
  • Don’t want to pay annual fees or foreign transaction fees

Pacific Service Visa Platinum Rewards Starter Card Review

The Pacific Service Visa Platinum Rewards Starter Card is an ideal first credit card from Pacific Service Credit Union. The card, like a student credit card – or even a secured credit card – is designed for those looking to establish their credit for the first time. Unlike many of these cards, however, it is essentially the same as its bigger brother, the Pacific Service Visa Platinum Rewards.

The Platinum Rewards Starter has the same excellent APR as the regular Visa Platinum Rewards card, with the typical APR varying from around 9.5% to about 14.5% depending on the creditworthiness of the applicant, as well as the current Prime Rate. Additionally, the card benefits from no annual fee, no foreign transaction fees, and no fees for services such as balance transfers or cash advances.

The Pacific Service Visa Platinum Rewards Starter also benefits from the same Scorecard Rewards program points earning potential of its bigger brother. Cardholders earn a single point for every dollar they spend on purchases with the Pacific Service Visa Platinum Rewards Starter – points which can be used for gift cards, travel, merchandise, and many other rewards.

While the Pacific Service Visa Platinum Rewards Starter Card is in many ways like the Pacific Service Visa Platinum Rewards, it differs in that it offers a smaller credit line to successful applicants. While less available credit may seem like a downside, the contrary is true. The Platinum Rewards Starter is an excellent option for those early in their credit lives, as it provides the tools for responsible use and establishing a great credit score. What’s better, is that these tools are presented in a package that includes an excellent interest rate and a decent point earning system.

Should You Apply for the Pacific Service Visa Platinum Rewards Starter Card?

The Pacific Service Visa Platinum Rewards Starter is an exceptional choice for those looking to build a history of responsible credit use and is an excellent tool for those who are looking to develop a long – and fruitful – financial relationship with the Pacific Service Credit Union. While the Pacific Service Visa Platinum Rewards Starter Card may not be available to everyone, for those Pacific Service members with younger relatives – or anyone looking to start their credit journey – this is a great card to consider.

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