
Advantage One Credit Union Visa Signature® Credit Card
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Purchase APR (Fixed APR) |
10.98% - 23.98% (Verified 08/04/2023) |
Balance Transfer APR (Fixed APR) |
10.98% - 23.98% (Verified 08/04/2023) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Advantage One Credit Union Visa Signature® Credit Card Review
This is a rewards card issued by Advantage One Credit Union. If you're wondering whether Advantage One Credit Union Visa Signature® Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- 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 Visa Signature® Credit Card has a fixed 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 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. After the introductory period, the fee is 0%.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Advantage One Credit Union Visa Signature® Credit Card
The Good | The Bad |
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Advantage One Credit Union Visa Signature® Credit Card FAQ
Does Advantage One Credit Union Visa Signature® Credit Card have a cash back or rewards program?
Advantage One Credit Union Visa Signature® Credit Card is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does Advantage One Credit Union Visa Signature® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Advantage One Credit Union Visa Signature® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Advantage One Credit Union Visa Signature® Credit Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Advantage One Credit Union Visa Signature® 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 Visa Signature® Credit Card has a fixed purchase APR that ranges from 10.98% up to 23.98%. The card has a fixed balance transfer APR that ranges from 10.98% up to 23.98%. It also has a fixed cash advance APR that ranges from 10.98% up to 23.98%. Note that late payments are subject to an APR of 23.98% 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 Visa Signature® Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0.99% for a period of up to 6 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 0% |
Balance Transfer Introductory APR | 0.99% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 10.98% - 23.98% |
Balance Transfer Fee Minimum | $0 |
Balance Transfer Fee % | 0% |
Does Advantage One Credit Union Visa Signature® Credit Card have an intro APR offer on new purchases?
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 Visa Signature® Credit Card?
The following fees apply:
- There is no overlimit fee
Description | |
---|---|
Cash Advance Fee Minimum | $0 |
Cash Advance Fee (%) | 0% |
Minimum Cash Advance Fee ($) | $0 |
Foreign Currency Transaction Fee | 1% |
No Annual Fee? | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 21 days |
Returned Payment Fee | Up to $20 |
Late Fee Amount | Up to $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Advantage One Credit Union Visa Signature® Credit Card have a foreign transaction fee?
Advantage One Credit Union Visa Signature® 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 Visa Signature® Credit Card?
The Advantage One Credit Union Visa Signature® Credit Card customer service number is (734) 676-7000.
What is the support contact email for Advantage One Credit Union Visa Signature® Credit Card?
The support contact email for Advantage One Credit Union Visa Signature® Credit Card is help@myaocu.com.
What is the Advantage One Credit Union Visa Signature® Credit Card login page?
You can access the Advantage One Credit Union Visa Signature® Credit Card login page here.
How do people rate the customer service and user experience of Advantage One Credit Union Visa Signature® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Advantage One Credit Union Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, Advantage One Credit Union Visa Signature® 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 Visa Signature® Credit Card
- Visit the Advantage One Credit Union Visa Signature® 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.
Contact
- Headquarters
-
23670 Telegraph Road
Brownstown, MI 48134 USA - (734) 676-7000
- Visit Site
- Email Support
About Advantage One Credit Union Visa Signature® Credit Card
Other Credit Cards by Advantage One Credit Union
Availability
- 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 (Fixed APR) | 6 months |
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