AmeriCU Credit Union Secured Visa® Credit Card
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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
This 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 review will provide you with with all the details you need to make a good choice.
Key Takeaways
- 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.
Pros & Cons of AmeriCU Credit Union Secured Visa® Credit Card
| The Good | The Bad |
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AmeriCU Credit Union Secured Visa® Credit Card FAQ
Does AmeriCU Credit Union Secured Visa® Credit Card have a cash back or rewards program?
No, it 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does AmeriCU Credit Union Secured Visa® 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 AmeriCU Credit Union Secured Visa® Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $28 |
| 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 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 foreign transaction fees.What is the customer service phone number for AmeriCU Credit Union Secured Visa® Credit Card?
The AmeriCU Credit Union Secured Visa® Credit Card customer service number is (800) 388-2000.
What is the support contact email for AmeriCU Credit Union Secured Visa® Credit Card?
The support contact email for AmeriCU Credit Union Secured Visa® Credit Card is hello@americu.org.
What is the AmeriCU Credit Union Secured Visa® Credit Card login page?
You can access the AmeriCU Credit Union Secured Visa® Credit Card login page here.
How do people rate the customer service and user experience of AmeriCU Credit Union Secured Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 USA - (800) 388-2000
- Visit Site
- Email Support
Other Services by AmeriCU Credit Union
Availability
- 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
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0.50 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $28 |
| Late Fee Amount | Up to $25 |
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