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Spectra Credit Union

Platinum Card

0% intro APR* on purchases and balance transfers for 20 billing cycles. After that, a variable APR, currently 14.24%-24.24%.*

Spectra Credit Union Platinum Card See terms & conditions
Next Step: Apply for Spectra Credit Union Platinum Credit Card
Limited time offer

Our best intro APR for 2 years

0% intro APR* on purchases and balance transfers for 20 billing cycles. After that, a variable APR, currently 14.24%-24.24%.*

Spectra Credit Union Platinum Card See terms & conditions
Next Step: Apply for Spectra Credit Union Platinum Credit Card

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0% intro APR* for 20 billing cycles

That's a full 2 years without interest!

Handle emergencies with zero

In the event of an unexpected bill, a 0% Intro APR can keep your finances more manageable.

No annual fee

Enjoy all of these benefits with no annual fee

Spectra Credit Union Platinum Card Terms & Conditions

Built-in benefits for your convenience

Easily add to your mobile device for simple, secure payments


Make mobile purchases with compatible Apple®, Android® or Samsung® phones.

Secure and protected

Enjoy peace of mind with chip-enhanced acceptance, zero fraud liability1, emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S. based customer service.

Monitor your account online

You can conveniently check on your account through our mobile and online portals.

Annual Fee

None Spectra Credit Union Platinum Card Terms & Conditions

Intro APR* for Purchases and Balance Transfers:

Platinum: 0% introductory APR for the first 24 billing cycles. After that, 15.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Spectra Credit Union Platinum Card Terms & Conditions

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Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.

 

Subject to credit approval.


  • *The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
  • 1. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.

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