Alaska USA Federal Credit Union Visa® Credit Card

Alaska USA Federal Credit Union Visa® Credit Card Review

This is a rewards 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.

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%.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Alaska USA Federal Credit Union Visa® Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Alaska USA Federal Credit Union Visa® Credit Card reports to multiple credit bureaus.	Charges an annual fee of $50 Does not offer a signup bonus.

Alaska USA Federal Credit Union Visa® Credit Card FAQ

Does Alaska USA Federal Credit Union Visa® Credit Card have a cash back or rewards program?

Alaska USA Federal Credit Union Visa® Credit Card is a rewards card.

Alaska USA Federal Credit Union Visa® Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Alaska USA Federal Credit Union 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.

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%.

The good news is this card does not charge a penalty APR if you are late on a payment.

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

The following fees apply:

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 report your account activity to credit bureaus?

Yes, Alaska USA Federal Credit Union 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 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.