Accentra Credit Union Visa Credit Card Review

Accentra Credit Union Visa Credit Card is a credit card issued by Accentra Credit Union. If you're wondering whether Accentra Credit Union 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. Accentra Credit Union Visa Credit Card has a variable purchase APR that ranges from 8.90% up to 15.90%.
• 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.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Accentra Credit Union Visa Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Travel accident and travel assistance insurance. Trip cancellation insurance. Accentra Credit Union Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a Accentra Credit Union Visa Credit Card cash back or rewards program?

No, Accentra Credit Union Visa Credit Card does not offer a rewards program.

What are the Accentra Credit Union Visa Credit Card benefits?

Accentra Credit Union Visa Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Accentra Credit Union 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. Accentra Credit Union Visa Credit Card has lower than average purchase APRs.

Accentra Credit Union Visa Credit Card has a variable purchase APR that ranges from 8.90% up to 15.90%. The card has a variable balance transfer APR that ranges from 8.90% up to 15.90%. It also has a variable cash advance APR that ranges from 8.90% up to 15.90%.

What are the fees for Accentra Credit Union Visa Credit Card?

The following fees apply to Accentra Credit Union Visa Credit Card:

• There is no overlimit fee

Accentra Credit Union Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $15
Late Payment Fee	up to $20

Does Accentra Credit Union Visa Credit Card report your account activity to credit bureaus?

Accentra Credit Union 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 score.

How to apply for Accentra Credit Union Visa Credit Card

• Visit the Accentra Credit Union 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.