SuperMoney
  Altra Federal Credit Union Visa Signature Credit Card

Altra Federal Credit Union Visa Signature Credit Card

in Personal Credit Cards from Altra Federal Credit Union

Unaffiliated

Altra Federal Credit Union Visa Signature Credit Card

Unaffiliated

in Personal Credit Cards from Altra Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Altra Federal Credit Union Visa Signature Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 12.90
Balance Transfer APR  (Variable APR) 12.90
Credit Score Range Starting at 680
Annual Fee $0

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.

Key Takeaways
  • 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 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.
Pros & Cons of Altra Federal Credit Union Visa Signature Credit Card
The Good The Bad
  • 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.
Altra Federal Credit Union Visa Signature Credit Card FAQ

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

Does Altra Federal Credit Union Visa Signature Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Altra Federal Credit Union Visa Signature Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It 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% .

Does Altra Federal Credit Union Visa Signature Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Altra Federal Credit Union Visa Signature Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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.

What is the customer service phone number for Altra Federal Credit Union Visa Signature Credit Card?

The Altra Federal Credit Union Visa Signature Credit Card customer service number is (800) 755-0055.

What is the support contact email for Altra Federal Credit Union Visa Signature Credit Card?

The support contact email for Altra Federal Credit Union Visa Signature Credit Card is info@altra.org.

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.

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 7:30am - 6:00pm
  • Tuesday 7:30am - 6:00pm
  • Wednesday 7:30am - 6:00pm
  • Thursday 7:30am - 6:00pm
  • Friday 7:30am - 6:00pm
  • Saturday Closed

Other Services by Altra Federal Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by Altra Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 15
Cash Advance Fee (%) Starting at 5
Minimum Cash Advance Fee ($) Starting at 15
Returned Payment Fee Up to 25
Paper Statement Fee 5
Late Fee Amount Up to 25
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 -
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Concierge
No Blackout Dates
Rewards Categories
  • Travel
Cash Advance APR (Variable APR) 12.90
Credit Limit Starting at 5
Purchase APR (Variable APR) 12.90
Balance Transfer APR (Variable APR) 12.90
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
  • Cashback
Card Network Visa

Be the first to rate

 

Would you recommend Altra Federal Credit Union Visa Signature Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Altra Federal Credit Union Personal Credit Cards

Loading...