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  360 Federal Credit Union Secured Visa Classic

360 Federal Credit Union Secured Visa Classic

in Personal Credit Cards from 360 Federal Credit Union

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360 Federal Credit Union Secured Visa Classic

Unaffiliated

in Personal Credit Cards from 360 Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $0
Purchase APR  (Variable APR) 15.50%

360 Federal Credit Union Secured Visa Classic Review

360 Federal Credit Union Secured Visa Classic is a credit card issued by 360 Federal Credit Union.  If you're wondering whether 360 Federal Credit Union Secured Visa Classic is the right card for you, read on. This is everything you need to know to make a good choice.

  • Competitive APRs. 360 Federal Credit Union Secured Visa Classic has a variable purchase APR of up to 15.50%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Credit history not required.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.

Is there a 360 Federal Credit Union Secured Visa Classic cash back or rewards program?

No, 360 Federal Credit Union Secured Visa Classic does not offer a rewards program.

What are the relevant APRs for 360 Federal Credit Union Secured Visa Classic?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 360 Federal Credit Union Secured Visa Classic has lower than average purchase APRs.

360 Federal Credit Union Secured Visa Classic has a variable purchase APR of 15.50%. It also has a variable cash advance APR starting at 15.50% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does 360 Federal Credit Union Secured Visa Classic have an introductory APR offer on balance transfers??

No, 360 Federal Credit Union Secured Visa Classic does not come with an introductory APR offer for balance transfers.

Does 360 Federal Credit Union Secured Visa Classic have an introductory APR offer on new purchases??

360 Federal Credit Union Secured Visa Classic does not offer an introductory rate on new purchases.

What are the 360 Federal Credit Union Secured Visa Classic fees?

The following fees apply to 360 Federal Credit Union Secured Visa Classic:

  • An overlimit fee of $20.
360 Federal Credit Union Secured Visa Classic Fees
Fees Amount
Annual Fee $0
Overlimit Fee $20
Foreign Transaction Fee 1%
Returned Payment Fee $25

Does 360 Federal Credit Union Secured Visa Classic have a foreign transaction fee?

360 Federal Credit Union Secured Visa Classic charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for 360 Federal Credit Union Secured Visa Classic

  • Visit the 360 Federal Credit Union Secured Visa Classic website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 9:30am - 1:00pm

About 360 Federal Credit Union Secured Visa Classic

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0.01
No Interest Grace Period for Late Payment 25
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 2%
Foreign Currency Transaction Fee 1%
Over-Limit Fee $20
Returned Payment Fee $25
Paper Statement Fee $10
Late Fee Amount Starting at $25
Credit History Not Required  
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Cash Advance APR (Variable APR) Starting at 15.50%
Purchase APR (Variable APR) 15.50%
Balance Computation “Average Daily Balance” (including new purchases/transactions)
Penalty APR 18%

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Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

360 Federal Credit Union Visa Platinum Rewards Credit Card
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.95% - 17.95%
(Variable APR)
    0% 36% Variable APR