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Evercard Visa Platinum Credit Card

Evercard Visa Platinum Credit Card


Rated 3/5 stars by our editorial team

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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 10.25%
  • Balance Transfer APR 10.25%
  • Cash Advance APR 19.25%
  • Penalty APR 21.25%
  • Annual Fee None
  • Cash Advance Fee $2.50 or 2.5% of the amount, whichever is greater
  • Balance Transfer Fee $50 or 3% of the amount, whichever is smaller
  • Foreign Exchange Fee 2%


  • Choose to earn cash rewards or point rewards for every eligible dollar you spend.

Expert Reviews

From the Editorial Team

Carry this card and you’ll earn cash rewards, plus be eligible for a competitively low interest rate.

Expert Reviews of the Evercard Visa Platinum Credit Card

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0


  • 2.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

For Everbank customers who need to carry a balance, this card offers a decent interest rate – plus the chance to earn bonus cash.

The Good

There is no annual fee and you earn 1% cash rewards for every dollar you spend, automatically credited to your account each month – or manually redeemed if you prefer. Bonus points are also available from participating retailers.
The APR for purchases and balance transfers is 10.25%. Usually the APR is not such a great feature, but this card is one of the rare exceptions. This rate is one of the lowest in the credit card industry. 

The Not So Good

You have to have an existing Everbank account before you apply for this card. 
The APR for cash advances is 19.25%. There is a 3% surcharge on balance transfers, with a maximum surcharge of $50; and the surcharge for cash advances is $2.50 or 2.5% of the amount of each advance, whichever is greater. There is also a 2% foreign transaction fee.

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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