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  Alltru Credit Union Blue Secure Visa
Alltru Credit Union Blue Secure Visa Unaffiliated

Alltru Credit Union Blue Secure Visa

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Highlights
Purchase APR  (Variable APR) 17.49%
(Verified 09/06/2022)
Balance Transfer APR  (Variable APR) 0%
Credit Score Range 300 - 550
Annual Fee N/A

Alltru Credit Union Blue Secure Visa Review

This is a card issued by Alltru Credit Union. If you're wondering whether Alltru Credit Union Blue Secure Visa is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.49%
  • 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Alltru Credit Union Blue Secure Visa

The Good The Bad
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Alltru Credit Union Blue Secure Visa reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.

Alltru Credit Union Blue Secure Visa FAQ

Does Alltru Credit Union Blue Secure Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Alltru Credit Union Blue Secure Visa benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Alltru Credit Union Blue Secure Visa?

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 higher than average regular APRs.

Alltru Credit Union Blue Secure Visa has a variable purchase APR of 17.49%. The card has a variable balance transfer APR of 0% . It also has a variable cash advance APR of 0% . Note that late payments are subject to an APR of 18% 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 Alltru Credit Union Blue Secure Visa have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Alltru Credit Union Blue Secure Visa have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Alltru Credit Union Blue Secure Visa?

The following fees apply:

Alltru Credit Union Blue Secure Visa Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $27
Late Payment Fee up to $18

Does Alltru Credit Union Blue Secure Visa have a foreign transaction fee?

Alltru Credit Union Blue Secure Visa 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 Alltru Credit Union Blue Secure Visa?

The Alltru Credit Union Blue Secure Visa customer service number is (800) 288-7618.

What is the support contact email for Alltru Credit Union Blue Secure Visa?

The support contact email for Alltru Credit Union Blue Secure Visa is contactus@alltrucu.org.

What is the Alltru Credit Union Blue Secure Visa login page?

You can access the Alltru Credit Union Blue Secure Visa login page here.

How do people rate the customer service and user experience of Alltru Credit Union Blue Secure Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Alltru Credit Union Blue Secure Visa report your account activity to credit bureaus?

Yes, Alltru Credit Union Blue Secure Visa 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 Alltru Credit Union Blue Secure Visa

  • Visit the Alltru Credit Union Blue Secure Visa 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 9:00am - 12:00pm

About Alltru Credit Union Blue Secure Visa

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View all credit cards offered by Alltru Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $27
Late Fee Amount Up to $18
Customer Type Personal
Minimum Age 18
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 300 - 550
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 0%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 17.49%
(Verified 09/06/2022)
Balance Transfer APR (Variable APR) 0%
Card Type
  • Balance Transfer
  • Low Interest
  • Bad Credit
Card Network Visa

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