Advancial FCU Savings Visa® Credit Card

Advancial FCU Savings Visa® Credit Card Review

This is a secured credit card rewards card issued by Advancial Federal Credit Union. If you're wondering whether Advancial FCU Savings 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 FCU Savings Visa® Credit Card has a variable purchase APR of 16.9%
• 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.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• 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 FCU Savings Visa® Credit Card

Advancial FCU Savings Visa® Credit Card FAQ

Does Advancial FCU Savings Visa® Credit Card have a cash back or rewards program?

Advancial FCU Savings Visa® Credit Card is a rewards card.

What are the Advancial FCU Savings Visa® Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Advancial FCU Savings Visa® Credit Card?

Advancial FCU Savings Visa® Credit Card has a variable purchase APR of 16.9%. The card has a variable balance transfer APR of 16.9% . It also has a variable cash advance APR of 16.9% .

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 FCU Savings Visa® Credit Card?

The following fees apply:

• There is no overlimit fee

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 FCU Savings Visa® Credit Card report your account activity to credit bureaus?

Yes, Advancial FCU Savings 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 FCU Savings Visa® Credit Card

• Visit the Advancial FCU Savings 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.