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  Accentra Credit Union Visa Credit Card

Accentra Credit Union Visa Credit Card

in Personal Credit Cards from Accentra Credit Union

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Accentra Credit Union Visa Credit Card

Unaffiliated

in Personal Credit Cards from Accentra Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 8.90% - 15.90%
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 8.90% - 15.90%

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.

  • 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.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Accentra Credit Union Visa Credit Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • 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%.

Does Accentra Credit Union Visa Credit Card have an introductory APR offer on balance transfers?

No, Accentra Credit Union Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Accentra Credit Union Visa Credit Card have an introductory APR offer on new purchases??

Accentra Credit Union Visa Credit Card does not offer an introductory rate on new purchases.
Accentra Credit Union Visa Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the Accentra Credit Union Visa Credit Card fees?

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 have a foreign transaction fee?

Accentra Credit Union Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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.

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...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

About Accentra Credit Union Visa Credit Card

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  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

Cash Advance Fee (%) 0%
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $15
Late Fee Amount Up to $20
Customer Type Personal
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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 650 - 850
Card Type Low Interest
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Cash Advance APR (Variable APR) 8.90% - 15.90%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 8.90% - 15.90%
Balance Transfer APR (Variable APR) 8.90% - 15.90%
Balance Transfer Fee % 0%

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