Ascend Federal Credit Union Student Visa® Credit Card

Ascend Federal Credit Union Student Visa® Credit Card Review

This is a secured credit card credit card issued by Ascend Federal Credit Union. If you're wondering whether Ascend Federal Credit Union Student Visa® Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Ascend Federal Credit Union Student Visa® Credit Card has a variable purchase APR of 9.9%
• 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.
• 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 rental insurance, access to a concierge, identity theft protection, travel accident insurance, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Ascend Federal Credit Union Student Visa® Credit Card

Ascend Federal Credit Union Student Visa® Credit Card FAQ

Does Ascend Federal Credit Union Student Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Ascend Federal Credit Union Student Visa® Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Ascend Federal Credit Union Student Visa® Credit Card?

Ascend Federal Credit Union Student Visa® Credit Card has a variable purchase APR of 9.9%. The card has a variable balance transfer APR of 9.9% . It also has a variable cash advance APR of 9.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Ascend Federal Credit Union Student Visa® Credit Card?

The following fees apply:

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

Does Ascend Federal Credit Union Student Visa® Credit Card report your account activity to credit bureaus?

Yes, Ascend Federal Credit Union Student 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 Ascend Federal Credit Union Student Visa® Credit Card

• Visit the Ascend Federal Credit Union Student 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.