Bellco Visa Platinum Credit Card Review | CreditShout

Bellco Visa Platinum Credit Card Review

By Christine Layton / November 13, 2011


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The Verdict: Overall, the Bellco Visa Platinum card has a number of benefits for many cardholders. The card has an optional rewards system with generous credit limits and 2,500 bonus points after the first qualifying purchase. The warranty extension program and auto rental insurance are nice travel benefits, although fairly standard. The card is held back from being better, however, by a 4% transaction charge for balance transfers and cash advances, as well as a very high APR up to 21.00%.

Overview: Bellco Credit Union offers members a choice of two Visa credit cards: The Visa Platinum and the Visa Platinum Rewards. Both cards provide a low rate, no annual fee and generous credit limits, although the Rewards card earns points on every purchase that may be redeemed for merchandise, travel, gift cards, hotel discounts and more. Cardholders also enjoy a range of travel and shopping benefits that make the Bellco Visa Platinum card a good choice for many.

How These Cards Work: Members of the Bellco Credit Union can choose to apply for either the Visa Platinum or Visa Platinum Rewards card. The Rewards card earns one point for every $1 spent that may be redeemed through ScoreCard for merchandise, travel and more. Both cards have no annual fee and a 25-day grace period, allowing cardholders to avoid interest charges by paying off their balances in full during this time. Both versions of the credit card also include online payment and balance verification that allows cardholders to check their balances and statements online.

Travel & Shopping Benefits: This credit card offers a number of popular travel and shopping benefits to cardholders. The Visa Platinum card gives cardholders extended warranty protection on purchases, auto rental insurance and travel assistance. The warranty protection program registers warranties for purchases with the credit card, and also doubles the warranty on original manufacturer’s warranties by up to one year. With the Rewards version of the card, cardholders earn one point for every $1 spent through the ScoreCard program. 2,500 bonus points are added to the cardholder’s account after their first eligible purchase.

Fees: There is no annual fee for the Bellco Visa Platinum card. The APR for purchases and balance transfers with the standard version of the card is 9.90% to 21.00%, depending on credit worthiness. An introductory APR of 0% applies to purchases and balance transfers for the first six months. The APR for cash advances is a variable 18.25%. For the Rewards card, the APR is between 11.90% and 21.00% for both balance transfers and purchases. Cash advances are subject to a variable 18.25%. There is no penalty APR for this credit card and no minimum interest charge. For both versions of the card a 4% transaction fee applies to balance transfers and cash advances with a minimum fee of $10 and maximum fee of $75. Foreign transactions incur a 1% fee. The late payment fee is up to $25 and the returned payment fee is up to $10. There is no over limit fee or other hidden costs.


  • No annual fee
  • Extended warranties and auto rental insurance
  • Optional rewards program
  • 2,500 bonus points with the Rewards card
  • No hidden fees
  • 0% APR for 6 months with the Visa Platinum card


  • Must be a Bellco Credit Union member to apply
  • APR between 11.90% and 21.00%
  • Transaction fee of 4% for balance transfers and cash advances
  • 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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