Last Updated: 07/28/2025
Andrews FCU Platinum Rewards Secured Visa® Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
Andrews FCU Platinum Rewards Secured Visa® Credit Card Review
This is a secured credit rewards card issued by Andrews Federal Credit Union. If you're wondering whether Andrews FCU Platinum Rewards Secured Visa® Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 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.
- A 2% balance transfer fee. Andrews FCU Platinum Rewards Secured Visa® Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Pros & Cons of Andrews FCU Secured Visa Credit Card
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Andrews FCU Secured Visa Credit Card FAQ
Does Andrews FCU Secured Visa Credit Card have a cash back or rewards program?
Andrews FCU Secured Visa Credit Card is a rewards card.
| Description |
Does Andrews FCU Secured Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Andrews FCU Secured Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Andrews FCU Secured Visa Credit Card benefits?
Andrews FCU Platinum Rewards Secured Visa® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Andrews FCU Secured Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Andrews FCU Platinum Rewards Secured Visa® Credit Card has a variable purchase APR starting at 18%. The card has a variable balance transfer APR starting at 18% . It also has a variable cash advance APR starting at 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 Andrews FCU 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 Andrews FCU 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 Andrews FCU Secured Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Andrews FCU Secured 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 Andrews FCU Secured Visa Credit Card?
The customer service number for Andrews FCU Secured Visa Credit Card is (800) 487-5500.
What is the support contact email for Andrews FCU Secured Visa Credit Card?
The support contact email for Andrews FCU Secured Visa Credit Card is memberadvocacy@andrewsfcu.org.
What is the login page for Andrews FCU Secured Visa Credit Card?
You can access the login page of Andrews FCU Secured Visa Credit Card here.
How do people rate the customer service and user experience of Andrews FCU Secured Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Andrews FCU Platinum Rewards Secured Visa® Credit Card report your account activity to credit bureaus?
Yes, Andrews FCU Platinum Rewards 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 Andrews Federal Credit Union perform a hard credit pull?
Yes, Andrews FCU 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 Andrews FCU Secured Visa Credit Card
- Visit the website of Andrews FCU 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM