Advantage One Credit Union Secured Visa Credit Card Review

Advantage One Credit Union Secured Visa Credit Card is a secured credit card credit card issued by Advantage One Credit Union. If you're wondering whether Advantage One Credit Union Secured Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. Advantage One Credit Union Secured Visa Credit Card has a variable purchase APR that ranges from 10.98% up to 24.98%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• 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.
• 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 on new purchases during the first 6 months. No annual fee. Advantage One Credit Union Secured Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Advantage One Credit Union Secured Visa Credit Card cash back or rewards program?

No, Advantage One Credit Union Secured Visa Credit Card does not offer a rewards program.

What are the Advantage One Credit Union Secured Visa Credit Card benefits?

Advantage One Credit Union Secured Visa Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Advantage One Credit Union Secured Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Advantage One Credit Union Secured Visa Credit Card has lower than average purchase APRs.

Advantage One Credit Union Secured Visa Credit Card has a variable purchase APR that ranges from 10.98% up to 24.98%. The card has a variable balance transfer APR that ranges from 10.98% up to 24.98%. It also has a variable cash advance APR that ranges from 10.98% up to 24.98%. Note that late payments are subject to an APR of 24.98% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Advantage One Credit Union Secured Visa Credit Card?

The following fees apply to Advantage One Credit Union Secured Visa Credit Card:

Advantage One Credit Union Secured Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $20
Late Payment Fee	up to $20

Does Advantage One Credit Union Secured Visa Credit Card report your account activity to credit bureaus?

Yes, Advantage One Credit Union Secured 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 Advantage One Credit Union Secured Visa Credit Card

• Visit the Advantage One Credit Union Secured 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.