Academy Bank Visa Credit Card Review

This 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 review will provide you with with all the details you need 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.
• 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.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Identity Theft Protection. No foreign transaction fee. Academy Bank Visa Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Academy Bank Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Academy Bank Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Academy Bank Visa 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. It has lower than average regular APRs.

It 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.

What are the fees for Academy Bank Visa Credit Card?

The following fees apply:

• There is no overlimit fee

Academy Bank Visa 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 $15

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

Does Academy Bank Visa Credit Card report your account activity to credit bureaus?

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