Advantage One Credit Union Visa Signature® Credit Card

Advantage One Credit Union Visa Signature® Credit Card Review

This is a rewards credit 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

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.

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?

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.

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

The following fees apply:

• There is no overlimit fee

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 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.