Arbor Financial Credit Union Advantage Visa Credit Card Review

Arbor Financial Credit Union Advantage Visa Credit Card is a credit card issued by Arbor Financial Credit Union. If you're wondering whether Arbor Financial Credit Union Advantage Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Arbor Financial Credit Union Advantage Visa Credit Card has a variable purchase APR that ranges from 6% up to 15.25%.
• 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.
• 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.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Arbor Financial Credit Union Advantage Visa 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%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Arbor Financial Credit Union Advantage Visa Credit Card cash back or rewards program?

No, Arbor Financial Credit Union Advantage Visa Credit Card does not offer a rewards program.

What are the Arbor Financial Credit Union Advantage Visa Credit Card benefits?

Arbor Financial Credit Union Advantage Visa Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Arbor Financial Credit Union Advantage Visa 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. Arbor Financial Credit Union Advantage Visa Credit Card has lower than average purchase APRs.

Arbor Financial Credit Union Advantage Visa Credit Card has a variable purchase APR that ranges from 6% up to 15.25%. The card has a variable balance transfer APR that ranges from 6% up to 15.25%. It also has a variable cash advance APR that ranges from 6% up to 15.25%.

What are the fees for Arbor Financial Credit Union Advantage Visa Credit Card?

The following fees apply to Arbor Financial Credit Union Advantage Visa Credit Card:

• There is no overlimit fee

Arbor Financial Credit Union Advantage Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	$27 - $25
Late Payment Fee	up to $25

Does Arbor Financial Credit Union Advantage Visa Credit Card report your account activity to credit bureaus?

Yes, Arbor Financial Credit Union Advantage 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 Arbor Financial Credit Union Advantage Visa Credit Card

• Visit the Arbor Financial Credit Union Advantage 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.