
Academy Bank Visa Credit Card
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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
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.
Key Takeaways
- 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.
Pros & Cons of Academy Bank Visa Credit Card
The Good | The Bad |
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Academy Bank Visa Credit Card FAQ
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. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Academy Bank Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Academy Bank Visa Credit Card?
The following fees apply:
- There is no overlimit fee
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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Academy Bank Visa Credit Card?
The Academy Bank Visa Credit Card customer service number is (866) 868-9141.
What is the support contact email for Academy Bank Visa Credit Card?
The support contact email for Academy Bank Visa Credit Card is social@academybank.com.
What is the Academy Bank Visa Credit Card login page?
You can access the Academy Bank Visa Credit Card login page here.
How do people rate the customer service and user experience of Academy Bank Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
8551 N Boardwalk Avenue
Kansas City, MO 64154 USA - (866) 868-9141
- Visit Site
- Email Support
Other Services by Academy Bank, N.A.
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- 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
Feature Breakdown
Cash Advance Fee (%) | Starting at 2% |
Minimum Cash Advance Fee ($) | Up to $100 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $25 |
Paper Statement Fee | $4 |
Late Fee Amount | Up to $15 |
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