AltaOne FCU Share Secured Credit Card

AltaOne FCU Share Secured Credit Card Review

This is a secured credit card card issued by AltaOne Federal Credit Union. If you're wondering whether AltaOne FCU Share Secured Credit Card 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 fixed purchase APR of 17.99%
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• 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 AltaOne FCU Share Secured Credit Card

The Good	The Bad
Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair credit. AltaOne FCU Share Secured Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $30 Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

AltaOne FCU Share Secured Credit Card FAQ

Does AltaOne FCU Share Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the AltaOne FCU Share Secured 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 AltaOne FCU Share Secured 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 higher than average regular APRs.

AltaOne FCU Share Secured Credit Card has a fixed purchase APR of 17.99%. The card has a fixed balance transfer APR of 17.99% . It also has a fixed cash advance APR of 17.99% .

What are the fees for AltaOne FCU Share Secured Credit Card?

The following fees apply:

• An overlimit fee of $25.

AltaOne FCU Share Secured Credit Card Fees

Fees	Amount
Annual Fee	$30
Overlimit Fee	$25
Late Payment Fee	up to $25

Does AltaOne FCU Share Secured Credit Card report your account activity to credit bureaus?

Yes, AltaOne FCU Share Secured 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 AltaOne FCU Share Secured Credit Card

• Visit the AltaOne FCU Share Secured 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.