VISA Platinum Credit Card

Best Reward Federal Credit Union will offer you an annual percentage rate (APR) and credit limit based on your credit qualifications, including your credit score, repayment history, and debt-to-income (DTI) ratio.

Answer: You can help keep your credit card secure by signing up for VISA Credit Card Account Alerts. You can set custom alerts for transaction types and dollar amounts and you may change your preferences at any time.

You can choose to receive alerts for:

• Purchases over a selected amount
• International purchases
• Online and phone purchases where the card is not physically present
• Declined transactions

In addition, Verified by VISA protects you when you use your Best Reward FCU VISA Platinum Credit Card for online transactions. Create your personal password to ensure that only you can use your credit card at participating online stores.

Let's start with the fees you don't need to pay:

• No annual fee
• No penalty APR
• No over-the-limit fee
• No cash advance fee
• No transaction fee

Our balance transfer fee is as low as $5, or 2.00% of the amount of each balance transfer – whichever is greater. (The maximum fee is $50.00.)

There's a low foreign transaction fee of 1% of each transaction in U.S. dollars. There are also fees for late payments and returned payments to encourage you to maintain healthy financial habits.

Disclosure

Yes, you need to be a member to take advantage of our competitive rates and benefits. Membership eligibility is extended to anyone living or working, who attends school or worships in, and legal entities and businesses in the following Ohio counties:

• Cuyahoga
• Geauga
• Lake
• Medina
• Portage
• Summit

Immediate family members or household members of individuals meeting these requirements are also eligible, as are their surviving spouses, credit union employees, community volunteers, and their immediate family members and households.

An immediate family member is defined as:

• Spouse
• Child
• Sibling
• Parent/Grandparent
• Grandchild
• Stepparents, children, and siblings
• Adoptive relationships

We also offer membership to select employer groups. Learn more about membership eligibility here.

Once you’ve determined your eligibility, all you need to do to become a Best Reward FCU member is fill out our easy online application. After you've been approved, the next step is to open a Regular Share Savings account with us and maintain a $5 minimum balance.

Simply maintaining this low balance means you're eligible to take advantage of all of the Best Reward FCU products and services that we offer to our valued members! Membership is for life for you and your family, and doesn’t change if you move away, get a new job, or retire.

When you apply, you’ll need to provide certain proof of identification in the form of primary and secondary documentation.

• Examples of primary documentation include a driver’s license, state ID, or passport.
• Secondary documentation can include utility bills, your Social Security card, a school ID, or an insurance card.

You may be required to provide additional documentation, depending on the situation.

In order to apply, you’ll need to provide certain proof of identification in the form of primary and secondary documentation.

Examples of primary documentation include a driver’s license, state ID, or passport. Secondary documentation can include utility bills, your Social Security card, a school ID, or an insurance card.

You may be required to provide additional documentation, depending on the situation.