Alaska USA Visa Platinum Credit Card Review | CreditShout

Alaska USA Visa Platinum Credit Card Review

By Dan Rafter / October 26, 2011

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The Verdict: The credit cards offered by credit unions across the country come with some of the most attractive interest rates and fees available. The Alaska USA Visa Platinum Credit Card, offered by the AlaskaUSA Credit Union, is no exception, coming with a purchase interest rate that is far lower than the ones offered by most mainstream consumer credit cards. Of course, there is a catch: You must be a member of the AlaskaUSA Credit Union — and, therefore, a resident of Alaska — to apply for this credit card.

Overview: The Alaska USA Visa Platinum Credit Card also happens to be a rewards card. This, combined with its low purchase interest rate, make it an attractive addition to any consumer’s wallet.

How This Card Works: You’ll earn rewards points for every purchase that you make with this card. Once you’ve earned enough rewards points, you can redeem them for merchandise, travel, hotel stays and gift cards.

Travel & Shopping Benefits: You’ll earn one rewards point for every dollar that you charge with the Alaska USA Visa Platinum Credit Card. Once you accumulate at least 2,000 points, you can start redeeming them for merchandise, travel, hotel stays and other rewards.

Fees: This card comes with a purchase interest rate of 10.5 percent, 12.5 percent or 14.5 percent, depending on the strength of your credit. There is a $50 annual fee, however this fee is waived for Alaska USA checking account holders. The card’s late-payment fee can run up to $35, while its returned-payment fee can be as high as $20.

Pros:

  • Low purchase interest rate.
  • Solid rewards program.
  • No annual fee for credit union checking account holders.

Cons:

  • Annual fee of $50 if you don’t have a checking account with the credit union.
  • Must be member of AlaskaUSA credit union member to apply for this card.
The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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