Last Updated: 04/18/2025
Arbor Financial Credit Union Advantage Visa Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
7.50% - 16.75%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
7.50% - 16.75%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
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Arbor Financial Credit Union Advantage Visa Credit Card Review
This is a 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.
Key Takeaways
- APRs: Arbor Financial Credit Union Advantage Visa Credit Card has a variable regular purchase APR that ranges from 7.50% up to 16.75%.
- 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 up to 1% every time you make a transaction outside the U.S.
Pros & Cons of Arbor Financial Credit Union Advantage Visa Credit Card
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Arbor Financial Credit Union Advantage Visa Credit Card FAQ
Does Arbor Financial Credit Union Advantage Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Arbor Financial Credit Union Advantage Visa Credit Card has a variable purchase APR that ranges from 7.50% up to 16.75%. The card has a variable balance transfer APR that ranges from 7.50% up to 16.75%. It also has a variable cash advance APR that ranges from 7.50% up to 16.75%.
Does Arbor Financial Credit Union Advantage Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Arbor Financial Credit Union Advantage Visa 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 Arbor Financial Credit Union Advantage Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $27 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Arbor Financial Credit Union Advantage Visa Credit Card have a foreign transaction fee?
Arbor Financial Credit Union Advantage Visa 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 Arbor Financial Credit Union Advantage Visa Credit Card?
The customer service number for Arbor Financial Credit Union Advantage Visa Credit Card is (269) 375-6702.
What is the support contact email for Arbor Financial Credit Union Advantage Visa Credit Card?
The support contact email for Arbor Financial Credit Union Advantage Visa Credit Card is hello@arborfcu.org.
How do people rate the customer service and user experience of Arbor Financial Credit Union Advantage Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 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 Arbor Financial Credit Union perform a hard credit pull?
Yes, Arbor Financial Credit Union Advantage Visa 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 Arbor Financial Credit Union Advantage Visa Credit Card
- Visit the website of Arbor Financial Credit Union Advantage Visa 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.
Arbor Financial Credit Union Advantage Visa Credit Card Disclosure: Up to $27.00 the first time your payment is returned for any reason. If a subsequent
payment is returned for any reason within the following 6 billing cycles, you will be
charged up to $35.00 for each returned payment.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Contact
Headquarters
Arbor Financial Credit Union 1551 South 9th Street Kalamazoo, MI 49009
Kalamazoo, MI 49009
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturday9:00AM - 12:00PM
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Purchase APR
10.75% - 17.75%
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Balance Transfer APR
10.75% - 17.75%
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Credit Score Range
N/A
Annual Fee
$0
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