Arizona Central Credit Union Visa® Secured Credit Card Review

Arizona Central Credit Union Visa® Secured Credit Card is a secured credit card credit card issued by Arizona Central Credit Union. If you're wondering whether Arizona Central Credit Union Visa® Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Arizona Central Credit Union Visa® Secured Credit Card has a variable purchase APR that ranges from 10.9% up to 14.9%.
• 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.
• 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.

The Good	The Bad
Lower than average purchase APRs. Identity Theft Protection. Travel accident insurance. Arizona Central Credit Union Visa® Secured 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.

Is there a Arizona Central Credit Union Visa® Secured Credit Card cash back or rewards program?

No, Arizona Central Credit Union Visa® Secured Credit Card does not offer a rewards program.

What are the Arizona Central Credit Union Visa® Secured Credit Card benefits?

Arizona Central Credit Union Visa® Secured Credit Card provides the following benefits:

• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Arizona Central Credit Union Visa® Secured 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. Arizona Central Credit Union Visa® Secured Credit Card has lower than average purchase APRs.

Arizona Central Credit Union Visa® Secured Credit Card has a variable purchase APR that ranges from 10.9% up to 14.9%. The card has a variable balance transfer APR that ranges from 10.9% up to 14.9%. It also has a variable cash advance APR that ranges from 10.9% up to 14.9%.

What are the fees for Arizona Central Credit Union Visa® Secured Credit Card?

The following fees apply to Arizona Central Credit Union Visa® Secured Credit Card:

Arizona Central Credit Union Visa® Secured Credit Card Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does Arizona Central Credit Union Visa® Secured Credit Card report your account activity to credit bureaus?

Yes, Arizona Central Credit Union Visa® Secured 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 Arizona Central Credit Union Visa® Secured Credit Card

• Visit the Arizona Central Credit Union Visa® Secured 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.