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  Advantage One Credit Union Secured Visa Credit Card

Advantage One Credit Union Secured Visa Credit Card

in Personal Credit Cards from Advantage One Credit Union

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Advantage One Credit Union Secured Visa Credit Card

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in Personal Credit Cards from Advantage One Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 10.98% - 24.98%
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 10.98% - 24.98%

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 of up to 24.98%.
  • 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 rewards.

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.

Does Advantage One Credit Union Secured Visa Credit Card have an introductory APR offer on balance transfers??

No, Advantage One Credit Union Secured Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Advantage One Credit Union Secured Visa Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0.99% on qualified purchases for a period of up to 6 months.

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

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%
Balance Transfer Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $20

Does Advantage One Credit Union Secured Visa Credit Card have a foreign transaction fee?

Advantage One Credit Union Secured Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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

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 can help improve your credit score.

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 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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Advantage One Credit Union Secured Visa Credit Card

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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

Introductory Rate 0.99%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Balance Transfer Fee % 0%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
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 Secured
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Cash Advance APR (Variable APR) 10.98% - 24.98%
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Credit Limit $0. The amount you deposit establishes your credit limit.
Penalty APR (Variable APR) 24.98%
Purchase APR (Variable APR) 10.98% - 24.98%
Balance Transfer APR (Variable APR) 10.98% - 24.98%

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Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Advantage One Credit Union Visa Platinum Rewards Credit Card
Balance Transfer APR 10.98% - 24.98%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.98% - 24.98%
(Variable APR)
    0% 36% Variable APR