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For someone looking for a credit-union-issued credit card that offers a low ongoing APR with a $0 annual fee, the Wings Visa Platinum Credit Card might be worth considering.
However, membership in Wings Credit Union is required to apply for the card, and it lacks attractive credit card features like introductory 0% APR rates on new purchases and/or balance transfers, cash back or travel rewards or a sign-up bonus.
Numerous other credit cards offer these types of benefits, making them more valuable to you than the Wings Visa Platinum Credit Card.
Intro Purchase APR
N/A
Regular Purchase APR
13.40% to 18.00% variable APR
Intro BT APR
N/A
Regular BT APR
13.40% to 18.00% (variable)
Annual Fee
$0
Cash Advance Fee
Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
$0
Balance Transfer Fee
Either $10 or 3% of the amount of each balance transfer, whichever is greater
Although the Wings Visa Platinum Credit Card doesn’t offer any intro APRs for purchases and balance transfers, it does have a low ongoing APR. It charges a 13.40% to 18.00% variable APR on new purchases and a 13.40% to 18.00% (variable) APR on balance transfers.
We always recommend paying your credit card balance in full — but if you can’t get a balance transfer credit card with a 0% intro offer, this card can help you save on interest.
The Wings Visa Platinum Credit Card helps you keep more money in your bank account, as it charges a $0 annual fee.
When you take the Wings Visa Platinum Credit Card on your travels abroad, you won’t have to worry about spending more: It has no foreign transaction fees.
Cardholders can access premium Visa benefits on purchases, auto rentals and online payments. One notable benefit is the auto rental collision damage waiver on rentals charged to your Wings Visa Platinum Credit Card. If you decline the rental company’s collision damage waiver, you’ll get car rental coverage for theft or damage of your rental vehicle.
→ Find the best credit cards for car rentals
The Wings Visa Platinum Credit Card no longer offers an intro APR on new purchases or balance transfers. As such, you’ll pay a 13.40% to 18.00% variable APR on both your purchases and balance transfers.
While these rates are significantly below the average credit card rate of 24.71%, if you need to finance a large purchase, look for a credit card with a 0% intro offer to get the most savings.
Although Wings Visa Platinum Credit Card ownership has a few perks, it’s not a rewards credit card and lacks ongoing value.
The Wings Visa Platinum Credit Card is issued by Wings Credit Union, serving consumers in the aviation industry. There are multiple paths to membership if you or an immediate family member have aviation connections. However, with a small donation, anyone can become a member.
1. You or an immediate family member lives or works in:
2. You or an immediate family member are employees of:
3. An immediate family member is a current Wings member.
4. You make a nonrefundable donation of at least $5 to the Wings Financial Foundation.
| Credit Cards | Our Ratings | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | |
|---|---|---|---|---|---|
|
Wings Visa Platinum Credit Card*
|
N/A | 13.40% to 18.00% (variable) | Either $10 or 3% of the amount of each balance transfer, whichever is greater | ||
Citi Simplicity® Card
 Apply Now
on Citibank's secure site Rates & Fees |
0% intro APR for 21 months on Balance Transfers | 18.49% - 29.24% (Variable) | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) |
Apply Now
on Citibank's secure site Rates & Fees |
|
Wells Fargo Reflect® Card*
|
0% intro APR for 21 months from account opening on qualifying balance transfers | 17.49%, 23.99%, or 29.24% Variable APR | 5%, min: $5 | ||
Citi Double Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
0% intro APR for 18 months on Balance Transfers | 18.49% - 28.49% (Variable) | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) |
Apply Now
on Citibank's secure site Rates & Fees |
However, the Citi Simplicity® Card doesn’t offer a rewards program — and with a potentially high ongoing APR, it may not be one to keep in your wallet long-term.
Like the Citi Simplicity® Card , the Wells Fargo Reflect® Card offers a long 0% intro APR on balance transfers. While the Wells Fargo Reflect® Card doesn’t offer a rewards program, cardholders receive up to $600 in cell phone protection against damage or theft (subject to a $25 deductible).
The rewards program offers ongoing value, long after your balance transfer is paid off. Plus, the Citi Double Cash® Card offers a solid rate of cash back — it’s unique, because you earn 1% cash back when you make a purchase and the other 1% when you pay it off.
Since the Wings Visa Platinum Credit Card lacks the main features consumers generally look for — intro APRs on purchases or balance transfers and rewards programs — it’s best to consider a card with the features you’re looking for.
If you need a balance transfer and are simply looking for the longest intro period, the Citi Simplicity® Card or Wells Fargo Reflect® Card may be your best choices. The Wells Fargo Reflect® Card also has a long intro APR on new purchases, so it would be helpful if you need to finance a large purchase. But if you’re looking for a card that offers cash back, even with a slightly shorter intro APR on balance transfers, consider the Citi Double Cash® Card.
The information related to the Wings Visa Platinum Credit Card and Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
