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  Barksdale FCU Visa 1.99 Platinum Credit Card
Barksdale FCU Visa 1.99 Platinum Credit Card
in Personal Credit Cards from Barksdale Federal Credit Union
Unaffiliated

Barksdale FCU Visa 1.99 Platinum Credit Card

Unaffiliated
in Personal Credit Cards from Barksdale Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 12.90%
Balance Transfer APR  (Variable APR) Starting at 12.90%
Credit Score Range 600 - 850
Annual Fee $0

Barksdale FCU Visa 1.99 Platinum Credit Card Review

This is a cashback credit card issued by Barksdale Federal Credit Union. If you're wondering whether Barksdale FCU Visa 1.99 Platinum 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.

Key Takeaways
  • Competitive APRs. Barksdale FCU Visa 1.99 Platinum Credit Card has a variable purchase APR of 12.90%
  • 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.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Barksdale FCU Visa 1.99 Platinum Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Barksdale FCU Visa 1.99 Platinum Credit Card is accepted.
  • Barksdale FCU Visa 1.99 Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Barksdale FCU Visa 1.99 Platinum Credit Card FAQ

Does Barksdale FCU Visa 1.99 Platinum Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Barksdale FCU Visa 1.99 Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Barksdale FCU Visa 1.99 Platinum Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Barksdale FCU Visa 1.99 Platinum Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Barksdale FCU Visa 1.99 Platinum Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Barksdale FCU Visa 1.99 Platinum 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.

Barksdale FCU Visa 1.99 Platinum Credit Card has a variable purchase APR of 12.90%. The card has a variable balance transfer APR starting at 12.90% .

Does Barksdale FCU Visa 1.99 Platinum Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Barksdale FCU Visa 1.99 Platinum Credit Card have an intro APR offer on new purchases?

Barksdale FCU Visa 1.99 Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 12 months.

What are the fees for Barksdale FCU Visa 1.99 Platinum Credit Card?

The following fees apply:

Barksdale FCU Visa 1.99 Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $24

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

Does Barksdale FCU Visa 1.99 Platinum Credit Card have a foreign transaction fee?

Barksdale FCU Visa 1.99 Platinum Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the support contact email for Barksdale FCU Visa 1.99 Platinum Credit Card?

The support contact email for Barksdale FCU Visa 1.99 Platinum Credit Card is bfcu@bfcu.org.

How do people rate the customer service and user experience of Barksdale FCU Visa 1.99 Platinum Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Barksdale FCU Visa 1.99 Platinum Credit Card report your account activity to credit bureaus?

Yes, Barksdale FCU Visa 1.99 Platinum 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 Barksdale FCU Visa 1.99 Platinum Credit Card

  • Visit the Barksdale FCU Visa 1.99 Platinum 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Barksdale FCU Visa 1.99 Platinum Credit Card

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View all personal credit cards offered by Barksdale Federal Credit Union
View Barksdale Federal Credit Union Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee $24
Paper Statement Fee $3
Late Fee Amount Starting at $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
  • Travel
  • Online
  • In-Store Eligible Purchases
  • Select Merchants
Purchase APR (Variable APR) 12.90%
Balance Transfer APR (Variable APR) Starting at 12.90%
Balance Transfer Fee Minimum $0
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.