AmeriCU Credit Union Secured Visa® Credit Card
in Personal Credit Cards from AmeriCU Credit Union
UnaffiliatedAmeriCU Credit Union Secured Visa® Credit Card
in Personal Credit Cards from AmeriCU Credit Union
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| Purchase APR (Fixed APR) | Starting at 15.9% |
| Balance Transfer APR (Fixed APR) | Starting at 15.9% |
| Credit Score Range | N/A |
| Annual Fee | $0 |
AmeriCU Credit Union Secured Visa® Credit Card Review
AmeriCU Credit Union Secured Visa® Credit Card is a credit card issued by AmeriCU Credit Union. If you're wondering whether AmeriCU Credit Union Secured Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 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.
| The Good | The Bad |
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Is there a AmeriCU Credit Union Secured Visa® Credit Card cash back or rewards program?
No, AmeriCU Credit Union Secured Visa® Credit Card does not offer a rewards program.
What are the relevant APRs for AmeriCU Credit Union Secured Visa® Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. AmeriCU Credit Union Secured Visa® Credit Card has lower than average purchase APRs.AmeriCU Credit Union Secured Visa® Credit Card has a fixed purchase APR starting at 15.9% . The card has a fixed balance transfer APR starting at 15.9% . It also has a fixed cash advance APR starting at 15% .
Does AmeriCU Credit Union Secured Visa® Credit Card have an introductory APR offer on balance transfers?
No, AmeriCU Credit Union Secured Visa® Credit Card does not come with an introductory APR offer for balance transfers.Does AmeriCU Credit Union Secured Visa® Credit Card have an introductory APR offer on new purchases?
AmeriCU Credit Union Secured Visa® Credit Card does not offer an introductory rate on new purchases.What are the fees for AmeriCU Credit Union Secured Visa® Credit Card?
The following fees apply to AmeriCU Credit Union Secured Visa® Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $28 |
| Late Payment Fee | up to $25 |
Does AmeriCU Credit Union Secured Visa® Credit Card have a foreign transaction fee?
AmeriCU Credit Union Secured Visa® 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 a foreign transaction fee.Does AmeriCU Credit Union Secured Visa® Credit Card report your account activity to credit bureaus?
Yes, AmeriCU Credit Union Secured 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 AmeriCU Credit Union Secured Visa® Credit Card
- Visit the AmeriCU Credit Union Secured 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.
Contact
- Headquarters
-
1916 Black River Blvd. Rome, NY 13440
Rome, NY 13440 - (800) 388-2000
- Visit Site
Other Services by AmeriCU Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual 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 |
| Foreign Currency Transaction Fee | 1% |
| Minimum Interest Charge | $0.50 |
| Returned Payment Fee | Up to $28 |
| Late Fee Amount | Up to $25 |
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