Bank Fund Staff Federal Credit Union Bold Visa Platinum

Bank Fund Staff Federal Credit Union Bold Visa Platinum Review

This is a card issued by Bank Fund Staff Federal Credit Union. If you're wondering whether Bank Fund Staff Federal Credit Union Bold Visa Platinum is the right card for you, read on.

Key Takeaways

• Competitive APRs. Bank Fund Staff Federal Credit Union Bold Visa Platinum has a variable purchase APR that ranges from 9.49% up to 17.90%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 0 day of opening the account. 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.

Pros & Cons of Bank Fund Staff Federal Credit Union Bold Visa Platinum

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.90%. No balance transfer fee, if you transfer the balance within 0 day. After the intro period, the fee is 0% with a minimum of $0. No annual fee. Identity Theft Protection. Considers applicants with fair credit. No foreign transaction fee. Bank Fund Staff Federal Credit Union Bold Visa Platinum reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Bank Fund Staff Federal Credit Union Bold Visa Platinum FAQ

Does Bank Fund Staff Federal Credit Union Bold Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Bank Fund Staff Federal Credit Union Bold Visa Platinum benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Bank Fund Staff Federal Credit Union Bold Visa Platinum?

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 Federal Credit Union Bold Visa Platinum has a variable purchase APR that ranges from 9.49% up to 17.90%. The card has a variable balance transfer APR that ranges from 9.49% up to 17.90%. It also has a variable cash advance APR that ranges from 9.49% up to 17.90%. Note that late payments are subject to an APR of 17.90% 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 Federal Credit Union Bold Visa Platinum?

The following fees apply:

• There is no overlimit fee

Bank Fund Staff Federal Credit Union Bold Visa Platinum Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$0
Late Payment 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 Bank Fund Staff Federal Credit Union Bold Visa Platinum report your account activity to credit bureaus?

Yes, Bank Fund Staff Federal Credit Union Bold Visa Platinum 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 Federal Credit Union Bold Visa Platinum

• Visit the Bank Fund Staff Federal Credit Union Bold Visa Platinum 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.