Arapahoe Credit Union Student Credit Card

Arapahoe Credit Union Student Credit Card Review

This is a credit card issued by Arapahoe Credit Union. If you're wondering whether Arapahoe Credit Union Student 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.
• 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.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Arapahoe Credit Union Student Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. Considers applicants with fair credit. No foreign transaction fee. Arapahoe Credit Union Student 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.

Arapahoe Credit Union Student Credit Card FAQ

Does Arapahoe Credit Union Student Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Arapahoe Credit Union Student Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Arapahoe Credit Union Student 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. This card has lower than average regular APRs.

Arapahoe Credit Union Student Credit Card has a fixed purchase APR starting at 4.9% . The card has a fixed balance transfer APR starting at 4.9% . It also has a fixed cash advance APR starting at 4.9% .

What are the fees for Arapahoe Credit Union Student Credit Card?

The following fees apply:

Arapahoe Credit Union Student Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Arapahoe Credit Union Student Credit Card report your account activity to credit bureaus?

Yes, Arapahoe Credit Union Student 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 Arapahoe Credit Union Student Credit Card

• Visit the Arapahoe Credit Union Student 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.