Atlantic FCU Visa Signature Credit Card

Atlantic FCU Visa Signature Credit Card Review

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

Key Takeaways

• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Atlantic FCU Visa Signature

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.49%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Atlantic FCU Visa Signature Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus.

Atlantic FCU Visa Signature FAQ

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

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Atlantic FCU Visa Signature benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Atlantic FCU Visa Signature?

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.

Atlantic FCU Visa Signature Credit Card has a variable purchase APR starting at 15.50% . The card has a variable balance transfer APR starting at 15.50% . It also has a variable cash advance APR starting at 15.50% .

What are the fees for Atlantic FCU Visa Signature?

The following fees apply:

Atlantic FCU Visa Signature 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 cashback card.

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

Yes, Atlantic FCU Visa Signature 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 Signature

• Visit the Atlantic FCU Visa Signature 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.