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The Verdict: The Visa Platinum card from the California Coast Credit Union offers many advantages. Credit limits are generous and rates are as low as 10.99%. Although there is no rewards system with this credit card, it has very few fees for services and a number of travel benefits. Overall, this card is best for members who want a free to carry card for purchases or want a straight forward credit card with no hidden costs.
Overview: The California Coast Credit Union offers membership to residents of San Diego and Riverside Counties in California. The credit union offers two credit cards to members, including the Visa Platinum card. This card offers a credit limit up to $10,000, along with good travel benefits and very low fees for card services. The card has no hidden costs and makes a great choice for consumers in the area.
How These Cards Work: The California Coast Visa Platinum card is accepted worldwide. It features a 25-day grace period on purchases that allows cardholders to avoid interest charges by paying their new balance in full before the due date each month. Cash advances and balance transfers, on the other hand, begin to accrue interest on the transaction date. The Visa Platinum card has a credit limit that ranges from $500 to $10,000, depending on credit worthiness. Optional debt insurance is available in the form of California Coast Guard Plus, which protects the cardholder against involuntary unemployment, death or disability. While online access is available, cardholders that are not near a branch may also use the Coastline phone service to get statement information, check balances, make payments, transfer funds and more.
Travel & Shopping Benefits: This credit card comes with a good range of travel and shopping benefits. Travel accident insurance is included when tickets are purchased with the card and this covers the cardholder, spouse and children. Auto rental insurance is also included which protects the cardholder from damage or theft to the rental vehicle. A range of emergency assistance services are also offered, such as emergency card replacement, cash and more. This card also has excellent fraud protection and uses Verified by Visa, which allows the cardholder to select a password to use while shopping online to reduce the risk of fraudulent charges.
Fees: There is no annual fee for the California Coast Visa Platinum card. The APR varies between 10.99% and 15.99% upon opening an account and this APR applies to purchases, balance transfers and cash advances. Foreign transactions are subject to a 1% fee from Visa if there is a currency conversion. For foreign transactions in U.S. currency, the fee is 0.80%. Cash advances are charged a 3% transaction fee with a minimum of $5 and no maximum. There is no over limit fee or returned payment fee with this credit card, although late payments that are more than 10 days overdue are charged a fee of $10. A card replacement fee of $5 may also apply.
- No annual fee
- No fee for balance transfers
- Credit limit up to $10,000
- Optional insurance options
- Free travel accident and auto insurance
- Very low fees
- Must be a member of California Coast Credit Union
- No rewards
- APR up to 15.99%
- 3% transaction fee for cash advances with no max