Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
10.99% - 16.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
10.99% - 16.99%(Verified 06/21/2024)
Credit Score Range
620 - 850
Annual Fee
$0
Ardent CU Visa Classic Review
This is a secured credit 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
- APRs: Ardent CU Visa Classic has a variable regular 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 can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- 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 you have a fair credit score or better.
Pros & Cons of Ardent CU Visa Classic
| The Good | The Bad |
|
|
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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%.
Does Ardent CU Visa Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Ardent CU Visa Classic 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 Ardent CU Visa Classic?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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.
What is the customer service phone number for Ardent CU Visa Classic?
The customer service number for Ardent CU Visa Classic is (800) 806-9465.
What is the support contact email for Ardent CU Visa Classic?
The support contact email for Ardent CU Visa Classic is mail@ardentcu.org.
What is the login page for Ardent CU Visa Classic?
You can access the login page of Ardent CU Visa Classic here.
How do people rate the customer service and user experience of Ardent CU Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Ardent CU Visa Classic report your account activity to credit bureaus?
Yes, Ardent CU Visa Classic 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 Ardent Credit Union perform a hard credit pull?
Yes, Ardent CU Visa Classic 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 Ardent CU Visa Classic
- Visit the website of Ardent CU Visa Classic.
- 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.
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.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:30AM - 7:00PM
Tuesday
8:30AM - 7:00PM
Wednesday
8:30AM - 7:00PM
Thursday
8:30AM - 7:00PM
Friday
8:30AM - 7:00PM
Saturday
9:00AM - 3:00PM