Bank Fund Staff FCU Beyond Visa Credit Card

Bank Fund Staff FCU Beyond Visa Credit Card Review

This is a rewards credit card issued by Bank Fund Staff Federal Credit Union. If you're wondering whether Bank Fund Staff FCU Beyond Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Signup bonus. Offers a signup bonus of 20000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Bank Fund Staff FCU Beyond Visa Credit Card has a variable purchase APR of 12.9%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.9%. No balance transfer fee. 0% APR on new purchases during the first 6 months. No annual fee. Access to a concierge. Identity Theft Protection. Considers applicants with fair or poor credit. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Bank Fund Staff FCU Beyond Visa Credit Card is accepted. Bank Fund Staff FCU Beyond Visa Credit Card reports to multiple credit bureaus.

Does Bank Fund Staff FCU Beyond Visa Credit Card have a cash back or rewards program?

Bank Fund Staff FCU Beyond Visa Credit Card is a rewards card.

Bank Fund Staff FCU Beyond Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	20000
Signup Bonus Spend Requirement	$4000
Signup Bonus Spend Period (months)	3 months

What are the Bank Fund Staff FCU Beyond Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Bank Fund Staff FCU Beyond Visa Credit Card?

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.

Bank Fund Staff FCU Beyond Visa Credit Card has a variable purchase APR of 12.9%. The card has a variable balance transfer APR of 15.9% . It also has a variable cash advance APR that ranges from 1.9% up to 15.9%. Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Bank Fund Staff FCU Beyond Visa Credit Card?

The following fees apply:

• There is no overlimit fee

Bank Fund Staff FCU Beyond Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

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

Does Bank Fund Staff FCU Beyond Visa Credit Card report your account activity to credit bureaus?

Yes, Bank Fund Staff FCU Beyond 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 Bank Fund Staff FCU Beyond Visa Credit Card

• Visit the Bank Fund Staff FCU Beyond 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.