SuperMoney
  APG Federal Credit Union Visa Cash Back Credit Card

APG Federal Credit Union Visa Cash Back Credit Card

in Personal Credit Cards from APG Federal Credit Union

Unaffiliated

APG Federal Credit Union Visa Cash Back Credit Card

Unaffiliated

in Personal Credit Cards from APG Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend APG Federal Credit Union Visa Cash Back Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Balance Transfer APR  (Variable APR) 12.74% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 12.74% - 17.99%
Rewards Rates Every Purchase

APG Federal Credit Union Visa Cash Back Credit Card Review

APG Federal Credit Union Visa Cash Back Credit Card is a cashback credit card issued by APG Federal Credit Union. If you're wondering whether APG Federal Credit Union Visa Cash Back Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn a rewards rate of up to x. This is higher than the average reward rate
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. APG Federal Credit Union Visa Cash Back Credit Card has a variable purchase APR that ranges from 12.74% up to 17.99%.
  • 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.
  • 3% Balance transfer fee. APG Federal Credit Union Visa Cash Back Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • 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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

APG Federal Credit Union Visa Cash Back Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Earn rewards on every purchase.
  • APG Federal Credit Union Visa Cash Back 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 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card rewards.

Is there a APG Federal Credit Union Visa Cash Back Credit Card cash back or rewards program?

No, APG Federal Credit Union Visa Cash Back Credit Card does not offer a rewards program. APG Federal Credit Union Visa Cash Back Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the APG Federal Credit Union Visa Cash Back Credit Card benefits?

APG Federal Credit Union Visa Cash Back Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for APG Federal Credit Union Visa Cash Back Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. APG Federal Credit Union Visa Cash Back Credit Card has lower than average purchase APRs.

APG Federal Credit Union Visa Cash Back Credit Card has a variable purchase APR that ranges from 12.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.74% up to 17.99%. It also has a variable cash advance APR that ranges from 12.74% up to 17.99%. 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 APG Federal Credit Union Visa Cash Back Credit Card have an introductory APR offer on balance transfers?

Yes, APG Federal Credit Union Visa Cash Back Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

APG Federal Credit Union Visa Cash Back Credit Card Balance Transfers
Description
Balance Transfer APR 12.74% - 17.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum N/A

Does APG Federal Credit Union Visa Cash Back Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

APG Federal Credit Union Visa Cash Back Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 15

What are the APG Federal Credit Union Visa Cash Back Credit Card fees?

The following fees apply to APG Federal Credit Union Visa Cash Back Credit Card:

APG Federal Credit Union Visa Cash Back Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $20
Late Payment Fee $25

Does APG Federal Credit Union Visa Cash Back Credit Card have a foreign transaction fee?

APG Federal Credit Union Visa Cash Back 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 a foreign transaction fee.

Does APG Federal Credit Union Visa Cash Back Credit Card report your account activity to credit bureaus?

APG Federal Credit Union Visa Cash Back 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 can help improve your credit score.

How to apply for APG Federal Credit Union Visa Cash Back Credit Card

  • Visit the APG Federal Credit Union Visa Cash Back 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 9:00am - 1:00pm

Other Services by APG Federal Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by APG Federal Credit Union

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 1.5% cash back award for every dollar spent every month.2 Credit limit up to $50,000
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Minimum Cash Advance Fee ($) $2
Foreign Currency Transaction Fee 1%
Returned Payment Fee $20
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Rewards Rates Every Purchase
Cash Advance APR (Variable APR) 12.74% - 17.99%
Balance Computation “average daily balance (including new purchases)
Credit Limit $50,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 12.74% - 17.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 12.74% - 17.99%
Balance Transfer Fee % 3%

Be the first to rate

 

Would you recommend APG Federal Credit Union Visa Cash Back Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews

APG Federal Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

APG Federal Credit Union Visa Platinum Preferred Rewards Credit Card
Balance Transfer APR 10.49% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.99% - 17.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase
APG Federal Credit Union Visa Platinum Preferred Credit Card
Balance Transfer APR 10.49% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.49% - 17.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates
APG Federal Credit Union Visa Platinum Preferred Share Secured Card
Starting Balance Transfer APR 5.35% Starting Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 5.35% Starting Variable APR
Rewards Rates
  • 1% on Every Purchase
APG Federal Credit Union Visa Money Market Secured Card
Starting Balance Transfer APR 5.45% Starting Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 5.45% Starting Variable APR
Rewards Rates
  • 1% on Every Purchase
APG Federal Credit Union Visa Platinum Preferred Student
Balance Transfer APR 10.49% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 17.49%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Every Purchase