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.

• 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.

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.

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

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.

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 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.