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About Our Ratings
Credit Needed
Excellent

Saratoga's Community FCU Visa® Platinum Card Review

Top Features

Rewards
Bonus Rewards
Purchase APR
9.90% (Fixed) 
Annual Fee
None

This card compared to other travel rewards cards

Card Name
Saratoga's Community FCU Visa® Platinum Card
Rewards
1.5 Miles per dollar on all purchases
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Rewards
We'll match all the miles new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. Only for new cardmembers.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
9.90% (Fixed) 
11.99% - 23.99% Variable 
16.99% - 23.99% Variable 
Annual Fee
None
$0
$0 Intro for the First Year. Then $95
CardRatings.com Editorial Staff

Saratoga's Community FCU Visa® Platinum Card details

Balance Transfer Intro APR:
6.99% (Fixed) until balance subject to introductory APR is paid off
Balance Transfer Intro Period:
APR:
until balance subject to introductory APR is paid off
Balance Transfer Fee:
None
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 N/A
 N/A
 N/A
Margin:
 N/A
 N/A
 N/A
APR:
  9.90% (Fixed)
 9.90% (Fixed)
 9.90% (Fixed)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 6.99% (Fixed) until balance subject to introductory APR is paid off
 6.99% (Fixed) until balance subject to introductory APR is paid off
 6.99% (Fixed) until balance subject to introductory APR is paid off
Intro Period:
 until balance subject to introductory APR is paid off
 until balance subject to introductory APR is paid off
 until balance subject to introductory APR is paid off


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2% of transaction amount in U.S. Dollars
Late Fee:
 $27.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 Incite Rewards - Earn points when you shop, pay bills, eat out - simply use your rewards card for payment. Use points for gift cards, merchandise, travel, or charitable contributions.
Special Notes:
 Available to members of Saratoga FCU. This card has no annual fee, no balance transfer fee, no cash advance fee, no overlimit fee, no default rate, no minimum monthly charge, and no finance charge on purchases when you payoff the entire balance within 25 days. Returned Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less.
Credit Card More Information:

Card Issued By:
 Saratoga's Community FCU
General Correspondence Address:
23 Division Street
Saratoga Springs, NY 12866
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 $15000 max.
Credit Limit Notes:
 

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Credit Needed:
Excellent, Good
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Credit Needed:
Excellent/Good