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.

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.
• Signup bonus. Offers a signup bonus of 10000 points 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 that ranges from 8.9% up to 14.9%.
• 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.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Advancial Federal Credit Union Visa Rewards Plus Pros and Cons:

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. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Advancial Federal Credit Union Visa Rewards Plus reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

Rewards bonus rate of only 1.5%. 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)	1%
Max rewards rate	1.5%
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

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 8.9% up to 14.9%. The card has a variable balance transfer APR that ranges from 8.9% up to 14.9%. It also has a variable cash advance APR that ranges from 8.9% up to 14.9%.

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%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

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.