Altra Federal Credit Union Visa Signature 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 Signature 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 Signature Credit Card has a variable purchase APR of 12.90%
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 rental insurance, access to a concierge, emergency support, identity theft protection, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. Cardholders can earn rewards on their purchases. Altra Federal Credit Union Visa Signature Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. You don't earn rewards on every purchase.

Does Altra Federal Credit Union Visa Signature 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. This card features rewards for purchases in the following categories:

Altra Federal Credit Union Visa Signature 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 Signature Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Cell Phone Protection
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Altra Federal Credit Union Visa Signature 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 lower than average regular APRs.

Altra Federal Credit Union Visa Signature Credit Card has a variable purchase APR of 12.90%. The card has a variable balance transfer APR of 12.90% . It also has a variable cash advance APR of 12.90% .

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

The following fees apply:

Altra Federal Credit Union Visa Signature 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 Signature Credit Card report your account activity to credit bureaus?

Yes, Altra Federal Credit Union Visa Signature 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 Signature Credit Card

• Visit the Altra Federal Credit Union Visa Signature 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.