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  Advancial Federal Credit Union Dinero Visa® Credit Card
Advancial Federal Credit Union Dinero Visa® Credit Card Unaffiliated

Advancial Federal Credit Union Dinero Visa® Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 9.9%
Balance Transfer APR  (Variable APR) 9.9%
Credit Score Range 350 - 600
Annual Fee $0

Advancial Federal Credit Union Dinero Visa® Credit Card Review

This is a rewards card issued by Advancial Federal Credit Union. If you're wondering whether Advancial Federal Credit Union Dinero Visa® Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Advancial Federal Credit Union Dinero Visa® Credit Card has a variable purchase APR of 9.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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. After the introductory period, the fee is 0%.
  • 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.
  • Accepts cosigners. Advancial Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Advancial Federal Credit Union Dinero Visa® Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR of 9.9%.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Advancial Federal Credit Union Dinero Visa® Credit Card is accepted.
  • Advancial Federal Credit Union Dinero Visa® Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

Advancial Federal Credit Union Dinero Visa® Credit Card FAQ

Does Advancial Federal Credit Union Dinero Visa® Credit Card have a cash back or rewards program?

Advancial Federal Credit Union Dinero Visa® Credit Card is a rewards card.

Advancial Federal Credit Union Dinero Visa® Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Advancial Federal Credit Union Dinero Visa® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Advancial Federal Credit Union Dinero Visa® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Advancial Federal Credit Union Dinero Visa® Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Advancial Federal Credit Union Dinero 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.

Advancial Federal Credit Union Dinero Visa® Credit Card has a variable purchase APR of 9.9%. The card has a variable balance transfer APR of 9.9% . It also has a variable cash advance APR of 9.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Advancial Federal Credit Union Dinero Visa® Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Advancial Federal Credit Union Dinero Visa® Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Advancial Federal Credit Union Dinero Visa® Credit Card have an intro APR offer on new purchases?

Advancial Federal Credit Union Dinero Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Advancial Federal Credit Union Dinero Visa® Credit Card?

The following fees apply:

Advancial Federal Credit Union Dinero Visa® Credit Card Fees
Fees Amount
Annual Fee $0
Initial Program Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Advancial Federal Credit Union Dinero 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 Advancial Federal Credit Union Dinero Visa® Credit Card?

The Advancial Federal Credit Union Dinero Visa® Credit Card customer service number is (800) 322-2709.

What is the support contact email for Advancial Federal Credit Union Dinero Visa® Credit Card?

The support contact email for Advancial Federal Credit Union Dinero Visa® Credit Card is msc@advancial.org.

What is the Advancial Federal Credit Union Dinero Visa® Credit Card login page?

You can access the Advancial Federal Credit Union Dinero Visa® Credit Card login page here.

How do people rate the customer service and user experience of Advancial Federal Credit Union Dinero Visa® Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Advancial Federal Credit Union Dinero Visa® Credit Card report your account activity to credit bureaus?

Yes, Advancial Federal Credit Union Dinero 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 Advancial Federal Credit Union Dinero Visa® Credit Card

  • Visit the Advancial Federal Credit Union Dinero 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.

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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 7:30am - 6:30pm
  • Tuesday 7:30am - 6:30pm
  • Wednesday 7:30am - 6:30pm
  • Thursday 7:30am - 6:30pm
  • Friday 7:30am - 6:30pm
  • Saturday 9:00am - 1:00pm

About Advancial Federal Credit Union Dinero Visa® Credit Card

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View all credit cards offered by Advancial Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Initial Program Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 16
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Travel
  • Airfare
  • Restaurants
  • Every Purchase
  • Entertainment
  • Select Merchants
Cash Advance APR (Variable APR) 9.9%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.9%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Student
  • Rewards
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa

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