For members of Xceed Financial Credit Union who are looking for a credit card, take a look at the Xceed Financial Credit Union Platinum Visa® Credit Card.
For a limited time, when you open an Xceed Financial Credit Union Platinum Visa® Credit Card and make at least $3,000 in purchases in the first 90 days after opening the account, you’ll earn a $200 statement credit as a special thank you from Xceed.
There is no annual fee with this card and no rewards. However, it does have a low interest rate, perfect for those who are in need of a credit card to build up their credit.
Eligibility: To be a part of Xceed Financial Credit Union, you must have been an employee of Conduent, Realogy, TE Connectivity, Tyco, Wyndham, Xerox, or other eligible select employee groups. Or you must be a member of Buffalo Zoo, Friends of the Webster Public Library, Heal The Bay, St. Joseph Catholic Church, or Seneca Park Zoo Society. You may also qualify if you live in select cities. Check out their Membership Eligibility page for more information. This credit card offer is only available for those in CA, CT, NJ, NY, and PA.
*Compare this offer to our other credit card bonuses here
Table of Contents
Xceed Financial Credit Union Platinum Visa Card
|Bonus Available||Spend $3,000 in the first 90 days and earn a $200 statement credit.|
|Travel Credit||No travel credit|
|Ongoing Rewards/Benefits||APR for Purchases, Balance Transfers, and Cash Advances as low as 9.74%
Earn Uber credits with Visa Local Offers
Enjoy discounts on top brands with Visa Special Offers
- Welcome Offer
- No annual fee
- Earn Visa Offers
- Earn Uber Credits
- High minimum spending requirement
- No rewards
Editor’s Alternative Pick
With the Capital One Platinum Credit Card:
This card can help build your credit with responsible card use and be automatically considered for a higher credit line in as little as 6 months
You'll have 24/7 access to your account and be covered with fraud coverage if your card is lost or stolen.
You're able to pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
This card comes wit no annual fee.
Xceed Financial Platinum Visa $200 Bonus Offer
Take advantage of the Xceed Financial Credit Union Platinum Visa Credit Card’s $200 Bonus Offer. To be eligible for this offer, you must be a resident of CA, CT, NJ, NY, or PA in the United States.
To qualify for the welcome bonus, you must charge at least $3,000 in purchases in the first 90 days after opening the account.
Here are some ideas on how to meet the spending requirement:
|• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well.|
|• Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.|
|• Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't.|
|As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.
Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.
Xceed Financial Platinum Visa Top Features
- Mobile Wallet – Their cards have Mobile Wallet enabled, so it’s easy to pay with Apple Pay and Paypal.
- SmartControls – Set up fraud alerts and card freezes to keep your card safe by logging into Xceed Online and navigating to your card.
- Visa Checkout – Skip the forms and pay online wherever you see the Visa Checkout button.
- Travel & emergency – Leaving home? Count on a wide variety of emergency services from Visa.
- Warranty services – Keep track of warranties or get free extended warranty protection, all in one place.
- Auto rental coverage – Get coverage for collision or theft on your rental car, up to the value of the vehicle.
If you have credit card debt or you plan to make a big purchase, a low-interest credit card can be a lifesaver. With the Xceed Financial Credit Union Platinum Visa® Credit Card, you can enjoy $200 statement credit when you make at least $3,000 in purchases in the first 90 days after opening the account. This is a great bonus, but the spending requirement is a bit higher than what other credit credit cards offer.
In addition, the statement credit bonus may only be used towards paying off your next monthly bill or Xceed’s reward program. Its best feature is its low APR for purchases, balance transfers, and cash advances, but it does not earn rewards. So, if you’re looking for a rewards-earning credit card or you don’t qualify for Xceed Financial Credit Union, feel free to check out our full list of the best credit card bonuses to find out which one suits your needs.
(Visit Xceed Financial Credit Union to apply)
What’s the Competition?
With the Secured MasterCard® from Capital One:
Unlike a prepaid card, this card will help you build credit when used responsibly, with regular reporting to the 3 major credit bureaus.
You'll get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness; and be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
This card comes with no annual fee, and all the credit building benefits with responsible card use.
With the Capital One Spark Classic for Business:
You can earn 1% cash back on every purchase and build your business credit with responsible use.
This card comes with no annual fee and no foreign transaction fee. In addition, enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service. Get fraud coverage if your card is ever lost or stolen
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.