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  Advantage One Credit Union Visa Signature® Credit Card

Advantage One Credit Union Visa Signature® Credit Card

in Personal Credit Cards from Advantage One Credit Union

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Advantage One Credit Union Visa Signature® Credit Card

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in Personal Credit Cards from Advantage One Credit Union

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Highlights
Purchase APR  (Fixed APR) 10.98% - 23.98%
Balance Transfer APR  (Fixed APR) 10.98% - 23.98%
Credit Score Range 600 - 850
Annual Fee $0

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. This review will provide you with with all the details you need to make a good choice.

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 oods if your credit score is above600.
Pros & Cons of Advantage One Credit Union Visa Signature® Credit Card
The Good The Bad
  • New card bonus points available.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • Has an introductory APR rate on balance transfers of 0.99%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Advantage One Credit Union Visa Signature® Credit Card is accepted.
  • Advantage One Credit Union Visa Signature® Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
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.

Advantage One Credit Union Visa Signature® Credit Card Rewards
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. It has lower than average regular APRs.

It 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.

Advantage One Credit Union Visa Signature® Credit Card Balance Transfers
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?

Advantage One Credit Union Visa Signature® 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 Visa Signature® Credit Card?

The following fees apply:

  • There is no overlimit fee
Advantage One Credit Union Visa Signature® Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit 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 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.

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.

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 Visa Signature® Credit Card

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View all personal credit cards offered by Advantage One Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Introductory Rate 0.99%
Purchase Intro APR Period (Fixed APR) 6 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Travel
  • Every Purchase
Cash Advance APR (Fixed APR) 10.98% - 23.98%
Balance Computation Average daily balance (excluding new purchases) and include new cash advances and balance transfers.
Penalty APR (Fixed APR) 23.98%
Purchase APR (Fixed APR) 10.98% - 23.98%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Fixed APR) 0.99%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 10.98% - 23.98%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Visa

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