SuperMoney
  Advancial Federal Credit Union Dinero Visa® Credit Card

Advancial Federal Credit Union Dinero Visa® Credit Card

in Personal Credit Cards from Advancial Federal Credit Union

Unaffiliated

Advancial Federal Credit Union Dinero Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Advancial Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Advancial Federal Credit Union Dinero Visa® Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

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 credit 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. This review will provide you with with all the details you need to make a good choice.

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 good approval odds.
Pros & Cons of Advancial Federal Credit Union Dinero Visa® Credit Card
The Good The Bad
  • 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.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor 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

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. It has lower than average regular APRs.

It 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.

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.

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 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

Icon for Personal Credit Cards
View all personal credit cards offered by Advancial Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Every Purchase (Points) Reward Points on Purchases
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
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Initial Program Fee $0
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 16
Co-signing Allowed
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
  • 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%
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

Be the first to rate

 

Would you recommend Advancial Federal Credit Union Dinero Visa® Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Advancial Federal Credit Union Personal Credit Cards

Loading...