Last Updated: 07/28/2025
APCO Employees CU Visa Signature Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.00% - 17.75%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10% - 17.75%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
APCO Employees CU Visa Signature Credit Card Review
This is a rewards card issued by APCO Employees Credit Union. If you're wondering whether APCO Employees CU Visa Signature Credit Card is the right card for you, read on.
Key Takeaways
- APRs: APCO Employees CU Visa Signature Credit Card has a variable regular purchase APR that ranges from 10.00% up to 17.75%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of APCO Employees CU Visa Signature Credit Card
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APCO Employees CU Visa Signature Credit Card FAQ
Does APCO Employees CU Visa Signature Credit Card have a cash back or rewards program?
APCO Employees CU Visa Signature Credit Card is a rewards card.
| Description |
Does APCO Employees CU Visa Signature Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does APCO Employees CU Visa Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the APCO Employees CU Visa Signature Credit Card benefits?
APCO Employees CU Visa Signature Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for APCO Employees CU Visa Signature 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.APCO Employees CU Visa Signature Credit Card has a variable purchase APR that ranges from 10.00% up to 17.75%. The card has a variable balance transfer APR that ranges from 10% up to 17.75%. It also has a variable cash advance APR that ranges from 10.00% up to 17.75%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does APCO Employees CU Visa Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10% - 17.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does APCO Employees CU Visa Signature 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 APCO Employees CU Visa Signature Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $35 . Does APCO Employees CU Visa Signature Credit Card have a foreign transaction fee?
APCO Employees CU Visa Signature Credit Card charges a foreign transaction fee of up to 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 APCO Employees CU Visa Signature Credit Card?
The customer service number for APCO Employees CU Visa Signature Credit Card is (205) 226-6800.
What is the support contact email for APCO Employees CU Visa Signature Credit Card?
The support contact email for APCO Employees CU Visa Signature Credit Card is emailapco@apcocu.org.
What is the login page for APCO Employees CU Visa Signature Credit Card?
You can access the login page of APCO Employees CU Visa Signature Credit Card here.
How do people rate the customer service and user experience of APCO Employees CU Visa Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does APCO Employees CU Visa Signature Credit Card report your account activity to credit bureaus?
Yes, APCO Employees CU Visa Signature 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 APCO Employees Credit Union perform a hard credit pull?
Yes, APCO Employees CU Visa Signature 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 APCO Employees CU Visa Signature Credit Card
- Visit the website of APCO Employees CU Visa Signature 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
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 4:30PM
Saturday
Closed