Atlantic FCU Visa Secured Credit Card

Atlantic FCU Visa Secured Credit Card Review

This is a secured credit card card issued by Atlantic Federal Credit Union. If you're wondering whether Atlantic FCU Visa Secured is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 17.99%
• 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 extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 590.

Pros & Cons of Atlantic FCU Visa Secured

The Good	The Bad
No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair credit. Atlantic FCU Visa Secured Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Atlantic FCU Visa Secured FAQ

Does Atlantic FCU Visa Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Atlantic FCU Visa Secured benefits?

It provides the following benefits:

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

What are the relevant APRs for Atlantic FCU Visa Secured?

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 higher than average regular APRs.

Atlantic FCU Visa Secured Credit Card has a variable purchase APR starting at 17.99% . The card has a variable balance transfer APR starting at 17.99% . It also has a variable cash advance APR starting at 17.99% .

What are the fees for Atlantic FCU Visa Secured?

The following fees apply:

Atlantic FCU Visa Secured Credit Card Fees

Description
No Annual Fee?
Annual Fee	$0

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

Does Atlantic FCU Visa Secured Credit Card report your account activity to credit bureaus?

Yes, Atlantic FCU 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 Atlantic FCU Visa Secured

• Visit the Atlantic FCU Visa Secured 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.