VISA PLATINUM REWARDS
No annual fee.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $230 | $230 |
| Typical spender | $480 | $480 |
| Heavy spender | $960 | $960 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 3x All purchases during the first 90 days; points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · CU Rewards
- 3× pointsAll purchases during the first 90 days
- 5× pointsGas, Gas Stations, Pay-at-the-Pump, Electric Vehicle Charging
- 5× pointsGroceries, Grocery Stores, Discount Stores, Specialty Markets, Bakeries, Convenience Stores, and more
- 5× pointsHome Improvement, Home Improvement Stores, Roofing & Siding Repair, Equipment & Supply Rentals, Plumbing Repair & Supply, General Contractors, Home Repair Professionals, Home Appliance Stores, Carpet/Upholstery Cleaning, HVAC Professionals, Cleaning/Janitorial Services, Garden & Nursery Stores, Floor Coverings
- 5× pointsTravel & Entertainment, Airlines & Transportation, Rental Vehicles, Hotels, Lodging & Resorts, Restaurants & Dining, Museums & Attractions, Movie Theaters, Amusement Parks, School & Office Supplies, Hair Salons & Barbershops, Clothing & Uniform Stores, Electronics & Bookstores
- 5× pointsRetail, Department Stores, Wholesale Clubs, Clothing Retailers, Electronics, Sporting Goods, Toys & Toy Stores, Book Stores, Hobby Stores, Music Stores, Party Supply Stores, and more
- 1× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Travel and Emergency Assistance
- Visa Fraud Alerts and Visa Purchase Alerts
- Online Banking access to manage the card, pay bills, check available balance, and set spending alerts
- Contactless tap-to-pay capability
Questions
- What is the annual fee?
- None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$420 a year
- GM Rewards MastercardBarclays · No annual fee+$420 a year
- CareCredit MastercardSynchrony · No annual fee+$230 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).