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  Advancial Federal Credit Union Savings Secured Visa

Advancial Federal Credit Union Savings Secured Visa

in Personal Credit Cards from Advancial Federal Credit Union

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Advancial Federal Credit Union Savings Secured Visa

Unaffiliated

in Personal Credit Cards from Advancial Federal Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 16.9%
Balance Transfer APR  (Variable APR) 16.9%
Credit Score Range 300 - 850
Annual Fee $0

Advancial Federal Credit Union Savings Secured Visa Review

Advancial Federal Credit Union Savings Secured Visa is a rewards credit card issued by Advancial Federal Credit Union. If you're wondering whether Advancial Federal Credit Union Savings Secured Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1.5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
  • 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 Savings Secured Visa 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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Advancial Federal Credit Union Savings Secured Visa Pros and Cons:

The Good The Bad
  • 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.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Advancial Federal Credit Union Savings Secured Visa reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Rewards bonus rate of only 1.5%.
  • Does not include many credit card rewards.

Is there a Advancial Federal Credit Union Savings Secured Visa cash back or rewards program?

Advancial Federal Credit Union Savings Secured Visa offers a rewards program to its customers.

Advancial Federal Credit Union Savings Secured Visa Rewards
Rewards rate (all purchases) 1%
Max rewards rate 1.5%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Advancial Federal Credit Union Savings Secured Visa have a signup bonus?

Advancial Federal Credit Union Savings Secured Visa doesn't offer a cash signup bonus.

Does Advancial Federal Credit Union Savings Secured Visa offer an annual loyalty bonus?

Advancial Federal Credit Union Savings Secured Visa doesn't offer a cash loyalty bonus.

What are the Advancial Federal Credit Union Savings Secured Visa benefits?

Advancial Federal Credit Union Savings Secured Visa provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Advancial Federal Credit Union Savings Secured Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Advancial Federal Credit Union Savings Secured Visa 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% .

Does Advancial Federal Credit Union Savings Secured Visa have an introductory APR offer on balance transfers?

Yes, Advancial Federal Credit Union Savings Secured Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Advancial Federal Credit Union Savings Secured Visa Balance Transfers
Description
Balance Transfer APR 16.9%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

Does Advancial Federal Credit Union Savings Secured Visa have an introductory APR offer on new purchases?

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

Advancial Federal Credit Union Savings Secured Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the fees for Advancial Federal Credit Union Savings Secured Visa?

The following fees apply to Advancial Federal Credit Union Savings Secured Visa:

Advancial Federal Credit Union Savings Secured Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Advancial Federal Credit Union Savings Secured Visa have a foreign transaction fee?

Advancial Federal Credit Union Savings Secured Visa does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Advancial Federal Credit Union Savings Secured Visa report your account activity to credit bureaus?

Advancial Federal Credit Union Savings Secured Visa 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 can help improve your credit.

How to apply for Advancial Federal Credit Union Savings Secured Visa

  • Visit the Advancial Federal Credit Union Savings Secured Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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 Savings Secured Visa

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View all personal 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
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Spend between $1-$2,499 and earn 1% rewards. Earn 1.5% when you spend $2,500+ or when you make 25+ purchases during a billing cycle.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 0%
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 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Card Type Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 16.9%
Balance Computation average daily balance (including new purchases).
Credit Limit $0
Purchase APR (Variable APR) 16.9%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 16.9%
Balance Transfer Fee % 0%

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