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  Advantage One Credit Union Secured Visa Credit Card
Advantage One Credit Union Secured Visa Credit Card Unaffiliated

Advantage One Credit Union Secured Visa Credit Card

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Highlights
Purchase APR  (Variable APR) 10.98% - 23.98%
(Verified 09/08/2022)
Balance Transfer APR  (Variable APR) 10.98% - 23.98%
(Verified 09/08/2022)
Credit Score Range 650 - 850
Annual Fee $0

Advantage One Credit Union Secured Visa Credit Card Review

This is a secured credit card 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.

Key Takeaways

  • 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 23.98%.
  • 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 will have good approval odds if your credit score is above 650.

Pros & Cons of Advantage One Credit Union Secured Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 10.98% up to 23.98%.
  • 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.

Advantage One Credit Union Secured Visa Credit Card FAQ

Does Advantage One Credit Union Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Advantage One Credit Union Secured Visa Credit Card has a variable purchase APR that ranges from 10.98% up to 23.98%. The card has a variable balance transfer APR that ranges from 10.98% up to 23.98%. It also has a variable cash advance APR that ranges from 10.98% up to 23.98%. 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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

Advantage One Credit Union Secured Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0.99%
Purchase Intro APR Period 6 months

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

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

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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 foreign transaction fees.

What is the customer service phone number for Advantage One Credit Union Secured Visa Credit Card?

The Advantage One Credit Union Secured Visa Credit Card customer service number is (734) 676-7000.

What is the support contact email for Advantage One Credit Union Secured Visa Credit Card?

The support contact email for Advantage One Credit Union Secured Visa Credit Card is help@myaocu.com.

What is the Advantage One Credit Union Secured Visa Credit Card login page?

You can access the Advantage One Credit Union Secured Visa Credit Card login page here.

How do people rate the customer service and user experience of Advantage One Credit Union Secured Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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 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

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0.99%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
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
  • Fraud Liability
Cash Advance APR (Variable APR) 10.98% - 23.98%
APR Type Variable APR
Balance Computation average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Credit Limit Up to $0. The amount you deposit establishes your credit limit.
Penalty APR (Variable APR) 24.98%
Purchase APR (Variable APR) 10.98% - 23.98%
(Verified 09/08/2022)
Balance Transfer APR (Variable APR) 10.98% - 23.98%
(Verified 09/08/2022)
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

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