Alltru Credit Union Blue Secure Visa Review

Alltru Credit Union Blue Secure Visa is a credit 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. This is everything you need to know to make a good choice.

• Competitive APRs. Alltru Credit Union Blue Secure Visa has a variable purchase APR of 15.99%
• 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 qualify.

The Good	The Bad
Lower than average purchase APRs. Offers auto rental collision damage waiver. Identity Theft Protection. Considers applicants with fair or poor credit. Alltru Credit Union Blue Secure Visa reports to multiple credit bureaus.	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.

Is there a Alltru Credit Union Blue Secure Visa cash back or rewards program?

No, Alltru Credit Union Blue Secure Visa does not offer a rewards program.

What are the Alltru Credit Union Blue Secure Visa benefits?

Alltru Credit Union Blue Secure Visa 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Alltru Credit Union Blue Secure Visa has lower than average purchase APRs.

Alltru Credit Union Blue Secure Visa has a variable purchase APR of 15.99%. 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.

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

The following fees apply to Alltru Credit Union Blue Secure Visa:

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 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.