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  American Eagle Financial Credit Union Signature Visa Credit Card

American Eagle Financial Credit Union Signature Visa Credit Card

in Personal Credit Cards from American Eagle Financial Credit Union

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American Eagle Financial Credit Union Signature Visa Credit Card

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in Personal Credit Cards from American Eagle Financial Credit Union

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Highlights
Purchase APR  (Variable APR) 10.9% - 18%
Balance Transfer APR  (Variable APR) 10.9% - 18%
Credit Score Range 600 - 850
Annual Fee $0

American Eagle Financial Credit Union Signature Visa Credit Card Review

This is a rewards credit card issued by American Eagle Financial Credit Union. If you're wondering whether American Eagle Financial Credit Union Signature Visa 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. American Eagle Financial Credit Union Signature Visa Credit Card has a variable purchase APR that ranges from 10.9% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. American Eagle Financial Credit Union Signature Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of American Eagle Financial Credit Union Signature Visa Credit Card
The Good The Bad
  • Earn points with every purchase and redeem as a statement credit or for great deals on merchandise, vacation getaways, and once-in-a-lifetime experiences
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere American Eagle Financial Credit Union Signature Visa Credit Card is accepted.
  • American Eagle Financial Credit Union Signature Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.
American Eagle Financial Credit Union Signature Visa Credit Card FAQ

Does American Eagle Financial Credit Union Signature Visa Credit Card have a cash back or rewards program?

American Eagle Financial Credit Union Signature Visa Credit Card is a travel rewards card.

American Eagle Financial Credit Union Signature Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does American Eagle Financial Credit Union Signature Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does American Eagle Financial Credit Union Signature Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the American Eagle Financial Credit Union Signature Visa Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for American Eagle Financial Credit Union Signature Visa 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 10.9% up to 18%. The card has a variable balance transfer APR that ranges from 10.9% up to 18%. It also has a variable cash advance APR that ranges from 10.9% up to 18%. Note that late payments are subject to an APR of 18% 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 Eagle Financial Credit Union Signature Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

American Eagle Financial Credit Union Signature Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.9% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does American Eagle Financial Credit Union Signature Visa Credit Card have an intro APR offer on new purchases?

American Eagle Financial Credit Union Signature Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 2.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 12 months.

What are the fees for American Eagle Financial Credit Union Signature Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
American Eagle Financial Credit Union Signature Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $37

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

Does American Eagle Financial Credit Union Signature Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for American Eagle Financial Credit Union Signature Visa Credit Card?

The American Eagle Financial Credit Union Signature Visa Credit Card customer service number is (800) 842-0145.

Does American Eagle Financial Credit Union Signature Visa Credit Card report your account activity to credit bureaus?

Yes, American Eagle Financial Credit Union Signature Visa 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 Eagle Financial Credit Union Signature Visa Credit Card

  • Visit the American Eagle Financial Credit Union Signature Visa 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 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 4:00pm
  • Saturday 9:00am - 1:00pm

About American Eagle Financial Credit Union Signature Visa Credit Card

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View all personal credit cards offered by American Eagle Financial 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

Introductory Rate 2.99%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $25
Late Fee Amount Up to $37
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
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 10.9% - 18%
Credit Limit $500 - $30
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 10.9% - 18%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.9% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
Card Network Visa

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