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  American Airlines CU Visa® Secured Credit Card
American Airlines CU Visa® Secured Credit Card Unaffiliated

American Airlines CU Visa® Secured Credit Card

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Highlights
Purchase APR  (Variable APR) 12.24
Balance Transfer APR  (Variable APR) 12.24
Credit Score Range 350 - 600
Annual Fee $0

American Airlines CU Visa® Secured Credit Card Review

This is a secured credit card credit card issued by American Airlines Credit Union. If you're wondering whether American Airlines CU Visa® Secured 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. American Airlines CU Visa® Secured Credit Card has a variable purchase APR of 12.24%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 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.
  • 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, identity theft 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 American Airlines CU Visa® Secured Credit Card
The Good The Bad
  • Interest earned on your security will be automatically transferred into your primary share/savings account.
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • American Airlines CU Visa® Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
American Airlines CU Visa® Secured Credit Card FAQ

Does American Airlines CU Visa® Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the American Airlines CU Visa® Secured Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for American Airlines CU Visa® 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 lower than average regular APRs.

American Airlines CU Visa® Secured Credit Card has a variable purchase APR of 12.24%. The card has a variable balance transfer APR of 12.24% . It also has a variable cash advance APR of 12.24% . Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does American Airlines CU Visa® Secured Credit Card have an intro APR offer on balance transfers?

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

Does American Airlines CU Visa® Secured 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 American Airlines CU Visa® Secured Credit Card?

The following fees apply:

American Airlines CU Visa® Secured Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
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 card.

Does American Airlines CU Visa® Secured Credit Card have a foreign transaction fee?

American Airlines CU Visa® Secured 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 support contact email for American Airlines CU Visa® Secured Credit Card?

The support contact email for American Airlines CU Visa® Secured Credit Card is cuaccess@aacreditunion.org.

How do people rate the customer service and user experience of American Airlines CU Visa® Secured Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does American Airlines CU Visa® Secured Credit Card report your account activity to credit bureaus?

Yes, American Airlines CU Visa® 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 American Airlines CU Visa® Secured Credit Card

  • Visit the American Airlines CU Visa® 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.

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.

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 $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum 2
Minimum Cash Advance Fee ($) Starting at 2
Foreign Currency Transaction Fee 1
Minimum Interest Charge 0.50
Returned Payment Fee Up to 25
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 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 12.24
Credit Limit 250 - 5
Penalty APR (Variable APR) 18.00
Purchase APR (Variable APR) 12.24
Balance Transfer APR (Variable APR) 12.24
Card Type
  • Secured
  • Low Interest
  • Bad Credit
Card Network Visa

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