ABNB Federal Credit Union ONYX Credit Card Review

This is a rewards credit card issued by ABNB Federal Credit Union. If you're wondering whether ABNB Federal Credit Union ONYX Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Signup bonus. Offers a signup bonus of 50000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. ABNB Federal Credit Union ONYX Credit Card has a variable purchase APR of 12.75%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere ABNB Federal Credit Union ONYX Credit Card is accepted. ABNB Federal Credit Union ONYX Credit Card reports to multiple credit bureaus.	Does not include many credit card benefits.

Does ABNB Federal Credit Union ONYX Credit Card have a cash back or rewards program?

ABNB Federal Credit Union ONYX Credit Card is a rewards card.

ABNB Federal Credit Union ONYX Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$4000
Signup Bonus Spend Period (months)	3 months

What are the ABNB Federal Credit Union ONYX Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for ABNB Federal Credit Union ONYX Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

ABNB Federal Credit Union ONYX Credit Card has a variable purchase APR of 12.75%. The card has a variable balance transfer APR of 12.75% . It also has a variable cash advance APR of 18% .

What are the fees for ABNB Federal Credit Union ONYX Credit Card?

The following fees apply:

• There is no overlimit fee

ABNB Federal Credit Union ONYX Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does ABNB Federal Credit Union ONYX Credit Card report your account activity to credit bureaus?

Yes, ABNB Federal Credit Union ONYX Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for ABNB Federal Credit Union ONYX Credit Card

• Visit the ABNB Federal Credit Union ONYX Credit Card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.