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Last Updated: 07/28/2025

AmeriCU Credit Union Secured Visa® Credit Card

from AmeriCU Credit Union

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Fixed APR)

Starting at 15.9%(Verified 06/21/2024)

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Balance Transfer APR (Fixed APR)

Starting at 15.9%(Verified 06/21/2024)

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Credit Score Range

N/A

Annual Fee

AmeriCU Credit Union Secured Visa® Credit Card Review

This is a 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.

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 up to 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

Potentially lower than average purchase APRs.
No annual fee.
AmeriCU Credit Union Secured Visa® 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 up to 1%.
You don't earn rewards on every purchase.

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.

AmeriCU Credit Union Secured Visa® Credit Card Rewards Breakdown

Description

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 to the following credit bureaus:

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 build your credit.

Does AmeriCU Credit Union perform a hard credit pull?

Yes, AmeriCU Credit Union Secured Visa® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for AmeriCU Credit Union Secured Visa® Credit Card

Visit the website of AmeriCU Credit Union Secured Visa® Credit Card.
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

Headquarters

1916 Black River Blvd. Rome, NY 13440

Rome, NY 13440

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 4:00PM

Tuesday

9:00AM - 4:00PM

Wednesday

9:00AM - 4:00PM

Thursday

9:00AM - 4:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

Other Services by AmeriCU Credit Union

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Other Credit Cards from AmeriCU Credit Union

AmeriCU Credit Union Mastercard®

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Purchase APR

Starting at 12.9%

Disclaimer popup with additional information

Balance Transfer APR

Starting at 12.9%

Disclaimer popup with additional information

Credit Score Range

N/A

Annual Fee

Visit Site

AmeriCU Credit Union Visa® Signature Rewards Credit Card

Rating not yet determined

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Purchase APR

14.15% - 17.99%

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Balance Transfer APR

14.15% - 17.99%

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Credit Score Range

N/A

Annual Fee

Visit Site

AmeriCU Credit Union Visa® Traditional Credit Card

Rating not yet determined

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Purchase APR

6.24% - 17.99%

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Balance Transfer APR

6.24% - 17.99%

Disclaimer popup with additional information

Credit Score Range

N/A

Annual Fee

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.