Altra Federal Credit Union Visa® Go Credit Card Review

This is a cashback credit card issued by Altra Federal Credit Union. If you're wondering whether Altra Federal Credit Union Visa® Go Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Competitive APRs. Altra Federal Credit Union Visa® Go Credit Card has a variable purchase APR that ranges from 11.90% up to 15.90%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase 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 600.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Altra Federal Credit Union Visa® Go Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. You don't earn rewards on every purchase.

Does Altra Federal Credit Union Visa® Go Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Altra Federal Credit Union Visa® Go Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Altra Federal Credit Union Visa® Go Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Altra Federal Credit Union Visa® Go 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.90% up to 15.90%. The card has a variable balance transfer APR that ranges from 11.90% up to 15.90%. It also has a variable cash advance APR that ranges from 11.90% up to 15.90%.

What are the fees for Altra Federal Credit Union Visa® Go Credit Card?

The following fees apply:

Altra Federal Credit Union Visa® Go Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Altra Federal Credit Union Visa® Go Credit Card report your account activity to credit bureaus?

Yes, Altra Federal Credit Union Visa® Go 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 Altra Federal Credit Union Visa® Go Credit Card

• Visit the Altra Federal Credit Union Visa® Go 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.