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  Academy Bank Visa Credit Card

Academy Bank Visa Credit Card

in Personal Credit Cards from Academy Bank, N.A.

Unaffiliated

Academy Bank Visa Credit Card

Unaffiliated

in Personal Credit Cards from Academy Bank, N.A.

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Highlights
Highlights
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.

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.
  • $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.
Academy Bank Visa Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • 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.
Academy Bank Visa Credit Card FAQ

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.
Academy Bank Visa Credit Card Purchase Intro Offer
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:

Academy Bank Visa Credit Card Fees
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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 7:00pm
  • Tuesday 8:00am - 7:00pm
  • Wednesday 8:00am - 7:00pm
  • Thursday 8:00am - 7:00pm
  • Friday 8:00am - 7:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Academy Bank, N.A.

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Availability

  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

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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.99% - 15.60%
Balance Computation average daily balance (including new purchases and balance transfers)
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 9.99% - 15.60%
Balance Transfer APR (Variable APR) 9.99% - 15.60%
Balance Transfer Fee % 0%
Card Type Low Interest
Card Network Visa

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