| Lowest Interest | Highest Rewards | |
|---|---|---|
| Platinum VISA | Platinum+ JCU Rewards | |
| Rates as low as | 11.99% APR | 13.99% APR |
| 28 day grace period |  | |
| No balance transfer fee | | |
| Cash advances | | |
| No annual fee | | |
| Reward Points Get 10,000 starting points* Good for Cash Back, Travel, Products and Gift Cards | | |
| Application disclosure | Platinum VISA application disclosure | Platinum+ JCU Rewards application disclosure |
Annual Percentage Rate (APR) accurate as of 8/18/23. On approved credit. Transactions fees such as foreign fees (1% of the transaction in USD), late payment fees, or other account fees other fees may apply. Points earned for qualifying transactions at one point per one dollar on Platinum+ JCU Rewards credit cards. Total points are based on the total transaction amount, with total points rounding to the nearest dollar. Some transaction types may not be eligible for point accrual. Contact JCU to determine transaction eligibility, eligibility dates, or for special promotions. Points expire 48 months from the date earned. Visit our Platinum+ Rewards site to view the awards catalog or to learn more about the program rules and details. Login to Online Banking to access the rewards portal. Membership eligibility required.
*Points earned for qualifying transactions at one point per one dollar on Platinum+ Rewards VISA Credit Cards. Total points are based on the total transaction amount, with total points rounding to the nearest dollar. Some transaction types may not be eligible for point accrual. Points expire 48 months from the date earned. 10,000 bonus points are awarded after the first purchase made between 2 and 60 business days after card activation. Visit JCU Rewards in Online Banking to view the rewards catalog. No annual fee. Transactions fees such as foreign fees (1% of the transaction in USD), late payment fees, or other account fees may apply. Your interest rate will be based upon creditworthiness. APR will vary with the market based on the Prime Rate and subject to change without notice. The maximum interest rate over the life of the loan is 18%. Membership eligibility required.
