Ardent CU Visa Classic

Ardent CU Visa Classic Review

This is a secured credit card card issued by Ardent Credit Union. If you're wondering whether Ardent CU Visa Classic is the right card for you, read on.

Key Takeaways

• Competitive APRs. Ardent CU Visa Classic has a variable purchase APR that ranges from 10.99% up to 16.99%.
• 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.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 620.

Pros & Cons of Ardent CU Visa Classic

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair credit. Ardent CU Visa Classic 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.

Ardent CU Visa Classic FAQ

Does Ardent CU Visa Classic have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Ardent CU Visa Classic benefits?

It provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Ardent CU Visa Classic?

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.

Ardent CU Visa Classic has a variable purchase APR that ranges from 10.99% up to 16.99%. The card has a variable balance transfer APR that ranges from 10.99% up to 16.99%. It also has a variable cash advance APR that ranges from 10.99% up to 16.99%.

What are the fees for Ardent CU Visa Classic?

The following fees apply:

Ardent CU Visa Classic Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	%
Returned Payment Fee	$
Late Payment Fee	Starting at up to $25

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

Does Ardent CU Visa Classic report your account activity to credit bureaus?

Yes, Ardent CU Visa Classic 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 Ardent CU Visa Classic

• Visit the Ardent CU Visa Classic 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.