Addition Financial CU Low Rate Credit Card
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| Purchase APR (Variable APR) |
11.75% - 17.75% (Verified 10/20/2022) |
| Balance Transfer APR (Variable APR) |
11.75% - 17.75% (Verified 10/20/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Addition Financial CU Low Rate Credit Card Review
This is a card issued by Addition Financial Credit Union. If you're wondering whether Addition Financial CU Low Rate Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Addition Financial CU Low Rate Credit Card has a variable purchase APR that ranges from 11.75% up to 17.75%.
- 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 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Addition Financial CU Low Rate Credit Card
| The Good | The Bad |
|---|---|
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Addition Financial CU Low Rate Credit Card FAQ
Does Addition Financial CU Low Rate Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Addition Financial CU Low Rate Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Addition Financial CU Low Rate 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.Addition Financial CU Low Rate Credit Card has a variable purchase APR that ranges from 11.75% up to 17.75%. The card has a variable balance transfer APR that ranges from 11.75% up to 17.75%. It also has a variable cash advance APR that ranges from 11.75% up to 17.75%. Note that late payments are subject to an APR of 17.75% 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 Addition Financial CU Low Rate Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 4.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11.75% - 17.75% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Addition Financial CU Low Rate 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 Addition Financial CU Low Rate Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $27 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Addition Financial CU Low Rate Credit Card have a foreign transaction fee?
Addition Financial CU Low Rate Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Addition Financial CU Low Rate Credit Card?
The Addition Financial CU Low Rate Credit Card customer service number is (800) 711-9411.
What is the support contact email for Addition Financial CU Low Rate Credit Card?
The support contact email for Addition Financial CU Low Rate Credit Card is info@additionfi.com.
What is the Addition Financial CU Low Rate Credit Card login page?
You can access the Addition Financial CU Low Rate Credit Card login page here.
How do people rate the customer service and user experience of Addition Financial CU Low Rate Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Addition Financial CU Low Rate Credit Card report your account activity to credit bureaus?
Yes, Addition Financial CU Low Rate 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 Addition Financial CU Low Rate Credit Card
- Visit the Addition Financial CU Low Rate 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
-
1000 Primera Blvd
Lake Mary, FL 32746 USA - (800) 711-9411
- Visit Site
- Email Support
Other Services by Addition Financial Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $27 |
| Late Fee Amount | Up to $40 |
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