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  Alaska USA Federal Credit Union Visa Credit Card

Alaska USA Federal Credit Union Visa Credit Card

in Personal Credit Cards from Alaska USA Federal Credit Union

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Alaska USA Federal Credit Union Visa Credit Card

Unaffiliated

in Personal Credit Cards from Alaska USA Federal Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 10.5% - 14.5%
Balance Transfer APR  (Variable APR) 10.5% - 14.5%
Credit Score Range 700 - 850
Annual Fee $50

Alaska USA Federal Credit Union Visa Credit Card Review

Alaska USA Federal Credit Union Visa Credit Card is a credit card issued by Alaska USA Federal Credit Union. If you're wondering whether Alaska USA Federal Credit Union Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Competitive APRs. Alaska USA Federal Credit Union Visa Credit Card has a variable purchase APR that ranges from 10.5% up to 14.5%.
  • 2% Balance transfer fee. Alaska USA Federal Credit Union Visa Credit Card charges a fee of up to 2% on balance transfers. For example, a balance of $1,000 could cost up to $20 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Alaska USA Federal Credit Union Visa Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Requires good to excellent credit.
  • Charges an annual fee of $50
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not report to credit bureaus.
  • Charges a 2% balance transfer fee.

Is there a Alaska USA Federal Credit Union Visa Credit Card cash back or rewards program?

No, Alaska USA Federal Credit Union Visa Credit Card does not offer a rewards program.

What are the Alaska USA Federal Credit Union Visa Credit Card benefits?

Alaska USA Federal Credit Union Visa Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance

What are the relevant APRs for Alaska USA Federal Credit Union 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. Alaska USA Federal Credit Union Visa Credit Card has lower than average purchase APRs.

Alaska USA Federal Credit Union Visa Credit Card has a variable purchase APR that ranges from 10.5% up to 14.5%. The card has a variable balance transfer APR that ranges from 10.5% up to 14.5%. It also has a variable cash advance APR that ranges from 10.5% up to 14.5%.

Does Alaska USA Federal Credit Union Visa Credit Card have an introductory APR offer on balance transfers?

No, Alaska USA Federal Credit Union Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Alaska USA Federal Credit Union Visa Credit Card have an introductory APR offer on new purchases?

Alaska USA Federal Credit Union Visa Credit Card does not offer an introductory rate on new purchases.
Alaska USA Federal Credit Union Visa Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Alaska USA Federal Credit Union Visa Credit Card?

The following fees apply to Alaska USA Federal Credit Union Visa Credit Card:

Alaska USA Federal Credit Union Visa Credit Card Fees
Fees Amount
Annual Fee $50
Foreign Transaction Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $35

Does Alaska USA Federal Credit Union Visa Credit Card have a foreign transaction fee?

Alaska USA Federal Credit Union Visa Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

How to apply for Alaska USA Federal Credit Union Visa Credit Card

  • Visit the Alaska USA Federal Credit Union 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...
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 - 5:00pm
  • Saturday Closed

Other Services by Alaska USA Federal Credit Union

Availability

  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

Every Purchase (Points) Earn point for each dollar spent.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $10
Annual Fee $50
Returned Payment Fee Up to $20
Late Fee Amount Up to $35
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 700 - 850
Lost Luggage Insurance  
Emergency Support  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Annual fee is waived for Alaska USA checking account holders
Rewards Categories Every Purchase
Rewards Type Points
Cash Advance APR (Variable APR) 10.5% - 14.5%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 10.5% - 14.5%
Balance Transfer APR (Variable APR) 10.5% - 14.5%
Balance Transfer Fee % 2%

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