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Astoria Bank Platinum Edition Visa Credit Card

Astoria Bank Platinum Edition Visa Credit Card


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Over the Past 60 Days!

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  • Credit Needed Excellent
  • APR Variable 10.24%-20.24%
  • Intro APR 0% for the first 12 billing cycles
  • Balance Transfer APR Variable 10.24%-20.24%
  • Balance Transfer Intro APR 0% for the first 12 billing cycles
  • Cash Advance APR 25.49%
  • Penalty APR None
  • Annual Fee None
  • Late Payment Fee Up to $37
  • Cash Advance Fee $15 or 5% of advance amount, whichever is greater
  • Returned Payment Fee Up to $35
  • Balance Transfer Fee $10 or 3% of transfer amount for the first 12 billing cycles. After that, $10 or 5% of transfer amount
  • Foreign Exchange Fee 3% of transaction amount
  • Minimum Interest Charge No less than $1.75


  • Click "APPLY NOW" to apply online
  • 12-month introductory APR 
  • 12-month introductory balance transfer APR
  • No annual fee

Expert Reviews

From the Editorial Team

The Astoria Bank Platinum Edition Visa Credit Card comes with a low introductory APR on purchases and balance transfers. The card includes purchase protection and the standard auto rental insurance, travel accident insurance and extended warranty.

Expert Reviews of the Astoria Bank Platinum Edition Visa Credit Card

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 2.0


  • 1.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The 0% introductory rate is of great value if you are carrying a balance and or plan to make a large purchase, giving you time to pay it down without interest. But if you tend to make late payments or plan to carry a large balance beyond the 12-month introductory period, the variable APR on this card can increase exorbitantly, depending on your credit worthiness.  

The Good

This card has no annual fee, no penalty APR, and a 12-month introductory APR and balance transfer APR. It's a great way to pay down your balance relatively worry-free.

The Not So Good

Although this card comes with 0% introductory APR, the fees and interest rate beyond the first 12 billing cycles is quite high. There are many comparable cards that offer a lower interest rate if you credit score is good and offer a rewards program.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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