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  Advancial Federal Credit Union Visa Rewards Plus

Advancial Federal Credit Union Visa Rewards Plus

in Personal Credit Cards from Advancial Federal Credit Union

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Advancial Federal Credit Union Visa Rewards Plus

Unaffiliated

in Personal Credit Cards from Advancial Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 8.90% - 14.90%
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 8.90% - 14.90%
Rewards Rates Every Purchase

Advancial Federal Credit Union Visa Rewards Plus Review

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

  • Up to 1.5% on every day purchases. This is higher than the average reward rate (1%) for "every-day" purchases.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers of 0% 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.
  • Signup bonus. Offers a signup bonus of 10000 after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Advancial Federal Credit Union Visa Rewards Plus has a variable purchase APR of up to 14.90%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • $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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Advancial Federal Credit Union Visa Rewards Plus reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not include many credit card rewards.

Is there a Advancial Federal Credit Union Visa Rewards Plus cash back or rewards program?

Advancial Federal Credit Union Visa Rewards Plus offers a rewards program to its customers.

Advancial Federal Credit Union Visa Rewards Plus Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Advancial Federal Credit Union Visa Rewards Plus have a signup bonus?

Advancial Federal Credit Union Visa Rewards Plus doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Advancial Federal Credit Union Visa Rewards Plus offer an annual loyalty bonus?

Advancial Federal Credit Union Visa Rewards Plus doesn't offer a cash loyalty bonus.

What are the Advancial Federal Credit Union Visa Rewards Plus benefits?

Advancial Federal Credit Union Visa Rewards Plus provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Advancial Federal Credit Union Visa Rewards Plus?

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 Visa Rewards Plus has lower than average purchase APRs.

Advancial Federal Credit Union Visa Rewards Plus has a variable purchase APR that ranges from 8.90% up to 14.90%. The card has a variable balance transfer APR that ranges from 8.90% up to 14.90%. It also has a variable cash advance APR that ranges from 8.90% up to 14.90%.

Does Advancial Federal Credit Union Visa Rewards Plus have an introductory APR offer on balance transfers??

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

Advancial Federal Credit Union Visa Rewards Plus Balance Transfers
Description
Balance Transfer APR N/A
Introductory Rate N/A
Balance Transfer Intro APR Period (months) N/A

Does Advancial Federal Credit Union Visa Rewards Plus 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.

What are the Advancial Federal Credit Union Visa Rewards Plus fees?

The following fees apply to Advancial Federal Credit Union Visa Rewards Plus:

Advancial Federal Credit Union Visa Rewards Plus Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Advancial Federal Credit Union Visa Rewards Plus have a foreign transaction fee?

Advancial Federal Credit Union Visa Rewards Plus 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 Visa Rewards Plus report your account activity to credit bureaus?

Advancial Federal Credit Union Visa Rewards Plus 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 score.

How to apply for Advancial Federal Credit Union Visa Rewards Plus

  • Visit the Advancial Federal Credit Union Visa Rewards Plus 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 Visa Rewards Plus

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  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 Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Balance Transfer Fee % 0%
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 650 - 850
Card Type Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Bonus Rewards Earn 10,000 bonus points if you spend $500 in the first 90 days after account opening
No Reward Expiration Period  
Rewards Rates Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 8.90% - 14.90%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 8.90% - 14.90%
Introductory Rate 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.90% - 14.90%

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Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Advancial Federal Credit Union Savings Secured Visa
Balance Transfer APR 16.90% Variable APR
Credit Score Range 300 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.90% Variable APR
Rewards Rates
  • 1% - 1.5% on Every Purchase
Advancial Federal Credit Union Dinero Visa
Balance Transfer APR 9.9% Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 9.9% Variable APR
Rewards Rates N/A Rewards Rates