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  Altra Federal Credit Union Visa Student Rewards Credit Card

Altra Federal Credit Union Visa Student Rewards Credit Card

in Personal Credit Cards from Altra Federal Credit Union

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Altra Federal Credit Union Visa Student Rewards Credit Card

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in Personal Credit Cards from Altra Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 13.90
Balance Transfer APR  (Variable APR) 13.90
Credit Score Range 600 - 850
Annual Fee N/A

Altra Federal Credit Union Visa Student Rewards Credit Card Review

This is a rewards credit card issued by Altra Federal Credit Union. If you're wondering whether Altra Federal Credit Union Visa Student Rewards 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 Student Rewards Credit Card has a variable purchase APR of 13.90%
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Altra Federal Credit Union Visa Student Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Altra Federal Credit Union Visa Student Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Altra Federal Credit Union Visa Student Rewards Credit Card FAQ

Does Altra Federal Credit Union Visa Student Rewards Credit Card have a cash back or rewards program?

Altra Federal Credit Union Visa Student Rewards Credit Card is a rewards card.

Altra Federal Credit Union Visa Student Rewards 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 Student Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Altra Federal Credit Union Visa Student Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Altra Federal Credit Union Visa Student Rewards 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 13.90%. The card has a variable balance transfer APR of 13.90% . It also has a variable cash advance APR of 13.90% .

Does Altra Federal Credit Union Visa Student Rewards 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 Student Rewards 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 Student Rewards Credit Card?

The following fees apply:

Altra Federal Credit Union Visa Student Rewards Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Altra Federal Credit Union Visa Student Rewards Credit Card have a foreign transaction fee?

Altra Federal Credit Union Visa Student Rewards Credit Card 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 foreign transaction fees.

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

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

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

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

Does Altra Federal Credit Union Visa Student Rewards Credit Card report your account activity to credit bureaus?

Yes, Altra Federal Credit Union Visa Student Rewards 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 Student Rewards Credit Card

  • Visit the Altra Federal Credit Union Visa Student Rewards 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

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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 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
Foreign Currency Transaction Fee 1
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type Points
Cash Advance APR (Variable APR) 13.90
Purchase APR (Variable APR) 13.90
Balance Transfer APR (Variable APR) 13.90
Card Type
  • Student
  • Rewards
  • Low Interest
Card Network Visa

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