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About Our Ratings
Credit Needed
Excellent

Saratoga's Community FCU Visa® Platinum Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
9.90% (Fixed) 
Annual Fee
None

This card compared to other travel rewards cards

Points or Miles
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
9.90% (Fixed) 
16.24%, 20.24% or 23.24% Variable 
N/A 
Annual Fee
None
$89-Waived first year
Introductory annual fee of $0 for the first year, then $195.
CardRatings.com Editorial Staff

Saratoga's Community FCU Visa® Platinum Card details

Balance Transfer Intro APR:
6.99% 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:
 None
 None
 None
Intro Rate:
 N/A
 6.99% until balance subject to introductory APR is paid off
 6.99% until balance subject to introductory APR is paid off
Intro Period:
 N/A
 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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Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent