Academy Bank Visa Credit Card
in Personal Credit Cards from Academy Bank, N.A.
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| Purchase APR (Variable APR) | 9.99% - 15.60% |
| Balance Transfer APR (Variable APR) | 9.99% - 15.60% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Academy Bank Visa Credit Card Review
Academy Bank Visa Credit Card is a credit card issued by Academy Bank, N.A.. If you're wondering whether Academy Bank Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. Academy Bank Visa Credit Card has a variable purchase APR that ranges from 9.99% up to 15.60%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
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Is there a Academy Bank Visa Credit Card cash back or rewards program?
No, Academy Bank Visa Credit Card does not offer a rewards program.
What are the Academy Bank Visa Credit Card benefits?
Academy Bank Visa Credit Card provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Academy Bank Visa Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Academy Bank Visa Credit Card has lower than average purchase APRs.Academy Bank Visa Credit Card has a variable purchase APR that ranges from 9.99% up to 15.60%. The card has a variable balance transfer APR that ranges from 9.99% up to 15.60%. It also has a variable cash advance APR that ranges from 9.99% up to 15.60%. Note that late payments are subject to an APR of 24.99% 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 Academy Bank Visa Credit Card have an introductory APR offer on balance transfers?
No, Academy Bank Visa Credit Card does not come with an introductory APR offer for balance transfers.Does Academy Bank Visa Credit Card have an introductory APR offer on new purchases?
Academy Bank Visa Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Academy Bank Visa Credit Card?
The following fees apply to Academy Bank Visa Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $15 |
Does Academy Bank Visa Credit Card have a foreign transaction fee?
Academy Bank Visa Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does Academy Bank Visa Credit Card report your account activity to credit bureaus?
Academy Bank Visa 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 can help improve your credit.
How to apply for Academy Bank Visa Credit Card
- Visit the Academy Bank Visa 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 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.
Contact
- Headquarters
-
8551 N Boardwalk Avenue
Kansas City, MO 64154 - (866) 868-9141
- Visit Site
Other Services by Academy Bank, N.A.
Availability
- 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
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee (%) | Starting at 2% |
| Minimum Cash Advance Fee ($) | Up to $100 |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $15 |
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