Baton Rouge Telco FCU Visa Credit Card

Baton Rouge Telco FCU Visa Credit Card Review

This is a cashback credit card issued by Baton Rouge Telco Federal Credit Union. If you're wondering whether Baton Rouge Telco FCU 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.

Key Takeaways

• Competitive APRs. Baton Rouge Telco FCU Visa Credit Card has a variable purchase APR of 9.24%
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Baton Rouge Telco FCU Visa Credit Card

The Good	The Bad
Earn 2% unlimited cash back on everything. Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere Baton Rouge Telco FCU Visa Credit Card is accepted. Baton Rouge Telco FCU Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not include many credit card benefits.

Baton Rouge Telco FCU Visa Credit Card FAQ

Does Baton Rouge Telco FCU Visa 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.

Baton Rouge Telco FCU Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Baton Rouge Telco FCU Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Baton Rouge Telco FCU 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.

Baton Rouge Telco FCU Visa Credit Card has a variable purchase APR of 9.24%.

What are the fees for Baton Rouge Telco FCU Visa Credit Card?

The following fees apply:

Baton Rouge Telco FCU Visa Credit Card Fees

Fees	Amount
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 Baton Rouge Telco FCU Visa Credit Card report your account activity to credit bureaus?

Yes, Baton Rouge Telco FCU 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 Baton Rouge Telco FCU Visa Credit Card

• Visit the Baton Rouge Telco FCU 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.