USES

Visa® Platinum from Valley Review

Visa® Platinum from Valley — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
Valley Visa® Platinum
Apply now
Our Rating:
3.16 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 18 billing cycles
  • Regular APR:
    18.24% - 29.24% Variable
  • Balance Transfer APR:
    18.24% - 29.24% Variable
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
Apply now

All benefits

  • Travel
    • Travel and Emergency Assistance Services:
    • Enjoy your trip knowing you’re backed by a wide range of emergency services available whenever and wherever you need them.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 18 billing cycles
  • Purchase APR
    • 18.24% - 29.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 18 billing cycles for balances transferred within 744 days from account opening
  • Balance Transfers APR
    • 18.24% - 29.24% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is 24 - 30 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Fees for Cash Advances
    • Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • Foreign Transaction Fee

Features

Platinum
Visa
  • 0% Intro APR
  • No Annual Fee
  • Fraud Protection
  • 24/7 Travel Assistant
  • Fair Credit
  • Good Credit

About the issuer

Valley
Valley has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
SavorOne Rewards Capital One
Capital One SavorOne Cash Rewards Credit Card
4.27 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
Learn more
on our partner’s site
Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Without SSN
Platinum Mastercard Capital One
Capital One Platinum Credit Card
2.86 out of 5
Recommended credit score
score
Fair (580-669)
  • None
    Annual Fee
  • 29.99%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

Valley Visa® Platinum is an option for those, who need Platinum features. With an APR of 18.24% - 29.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With Valley Visa® Platinum you will get such features as 0% Intro APR, No Annual Fee, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.90%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site