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  Advancial Federal Credit Union Visa® Rewards Plus Credit Card

Advancial Federal Credit Union Visa® Rewards Plus Credit Card

in Personal Credit Cards from Advancial Federal Credit Union

Unaffiliated

Advancial Federal Credit Union Visa® Rewards Plus Credit Card

Unaffiliated

in Personal Credit Cards from Advancial Federal Credit Union

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 8.9% - 14.9%
Balance Transfer APR  (Variable APR) 8.9% - 14.9%
Credit Score Range 650 - 850
Annual Fee $0

Advancial Federal Credit Union Visa® Rewards Plus Credit Card Review

This is a rewards credit card issued by Advancial Federal Credit Union. If you're wondering whether Advancial Federal Credit Union Visa® Rewards Plus 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.

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.
  • 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 Credit Card 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.
  • 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Advancial Federal Credit Union Visa® Rewards Plus Credit Card
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.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Advancial Federal Credit Union Visa® Rewards Plus Credit Card reports to multiple credit bureaus.
  • Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.
  • Does not include many credit card benefits.
Advancial Federal Credit Union Visa® Rewards Plus Credit Card FAQ

Does Advancial Federal Credit Union Visa® Rewards Plus Credit Card have a cash back or rewards program?

Advancial Federal Credit Union Visa® Rewards Plus Credit Card is a rewards card.

Advancial Federal Credit Union Visa® Rewards Plus Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 1.5x
Annual rewards limit 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 Credit Card have a signup bonus?

This card 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 Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Advancial Federal Credit Union Visa® Rewards Plus 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 Visa® Rewards Plus 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 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%.

The good news is this card does not charge a penalty APR if you are late on a payment.

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

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Advancial Federal Credit Union Visa® Rewards Plus Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.9% - 14.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Advancial Federal Credit Union Visa® Rewards Plus Credit Card have an intro APR offer on new purchases?

Advancial Federal Credit Union Visa® Rewards Plus Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

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

The following fees apply:

  • There is no overlimit fee
Advancial Federal Credit Union Visa® Rewards Plus Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit 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 Visa® Rewards Plus Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Advancial Federal Credit Union Visa® Rewards Plus Credit Card?

The Advancial Federal Credit Union Visa® Rewards Plus Credit Card customer service number is (800) 322-2709.

How do people rate the customer service and user experience of Advancial Federal Credit Union Visa® Rewards Plus Credit Card?

Overall, Advancial Federal Credit Union Visa® Rewards Plus Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, Advancial Federal Credit Union Visa® Rewards Plus 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 Visa® Rewards Plus Credit Card

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

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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 Credit Card

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View all personal credit cards offered by Advancial Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

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 Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit 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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
No Reward Expiration Period
Rewards Categories
  • Cash Back on Travel
  • Cash Back on Airfare
  • Cash Back on Restaurants
  • Cash Back on Every Purchase
  • Cash Back on Entertainment
  • Cash Back on Select Merchants
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 8.9% - 14.9%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.9% - 14.9%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.9% - 14.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Visa

Advancial Federal Credit Union Visa® Rewards Plus Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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