Andrews Federal Credit Union Simplicity Visa Credit Card Review

This is a credit card issued by Andrews Federal Credit Union. If you're wondering whether Andrews Federal Credit Union Simplicity 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.

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. Andrews Federal Credit Union Simplicity Visa Credit Card has a variable purchase APR that ranges from 7.99% up to 18%.
• 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.
• 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.

The Good	The Bad
Lower than average purchase APRs. 0% APR on new purchases during the first 6 months. No annual fee. No foreign transaction fee. Andrews Federal Credit Union Simplicity Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Andrews Federal Credit Union Simplicity Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Andrews Federal Credit Union Simplicity 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 7.99% up to 18%. The card has a variable balance transfer APR that ranges from 7.99% up to 18%. It also has a variable cash advance APR that ranges from 7.99% up to 18%. Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Andrews Federal Credit Union Simplicity Visa Credit Card?

The following fees apply:

Andrews Federal Credit Union Simplicity Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
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 Andrews Federal Credit Union Simplicity Visa Credit Card report your account activity to credit bureaus?

Yes, Andrews Federal Credit Union Simplicity 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 Andrews Federal Credit Union Simplicity Visa Credit Card

• Visit the Andrews Federal Credit Union Simplicity 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.