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  Alltru Credit Union Blue Secure Visa

Alltru Credit Union Blue Secure Visa

in Personal Credit Cards from Alltru Credit Union

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Alltru Credit Union Blue Secure Visa

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in Personal Credit Cards from Alltru Credit Union

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Highlights
Purchase APR  (Variable APR) 15.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 350 - 600
Annual Fee N/A

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.

Key Takeaways
  • 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.
Alltru Credit Union Blue Secure Visa Pros & Cons
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.
Alltru Credit Union Blue Secure Visa FAQ

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.

Does Alltru Credit Union Blue Secure Visa have an introductory APR offer on balance transfers?

No, Alltru Credit Union Blue Secure Visa does not come with an introductory APR offer for balance transfers.

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

Alltru Credit Union Blue Secure Visa does not offer an introductory rate on new purchases.
Alltru Credit Union Blue Secure Visa Purchase Intro Offer
Description

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 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 a foreign transaction fee.

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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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

No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $10.00 - $25.00
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $27
Late Fee Amount Up to $18
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 15.99%
Card Type
  • Balance Transfer
  • Low Interest
  • Bad Credit
Card Network Visa

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