Black Hills FCU Visa Traditional Credit Card
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| Purchase APR (Variable APR) |
7.75% - 17.9% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
7.75% - 17.9% (Verified 08/04/2023) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Black Hills FCU Visa Traditional Credit Card Review
This is a card issued by Black Hills Federal Credit Union. If you're wondering whether Black Hills FCU Visa Traditional Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Black Hills FCU Visa Traditional Credit Card has a variable purchase APR that ranges from 7.75% up to 17.9%.
- 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.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Black Hills FCU Visa Traditional Credit Card
| The Good | The Bad |
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Black Hills FCU Visa Traditional Credit Card FAQ
Does Black Hills FCU Visa Traditional Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Black Hills FCU Visa Traditional Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Black Hills FCU Visa Traditional 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.Black Hills FCU Visa Traditional Credit Card has a variable purchase APR that ranges from 7.75% up to 17.9%. The card has a variable balance transfer APR that ranges from 7.75% up to 17.9%. It also has a variable cash advance APR that ranges from 7.75% up to 17.9%.
Does Black Hills FCU Visa Traditional Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.90% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 2.90% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 7.75% - 17.9% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Black Hills FCU Visa Traditional Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 2.90% |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 2.90% on qualified purchases for a period of up to 12 months.
What are the fees for Black Hills FCU Visa Traditional Credit Card?
The following fees apply:
- There is no overlimit fee
| Description | |
|---|---|
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| Initial Program Fee | $0 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee? | |
| No Foreign Transaction Fee? | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $1 |
| Additional Card Fee Amount | $0 |
| Late Fee Amount | Up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Black Hills FCU Visa Traditional Credit Card have a foreign transaction fee?
Black Hills FCU Visa Traditional 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 customer service phone number for Black Hills FCU Visa Traditional Credit Card?
The Black Hills FCU Visa Traditional Credit Card customer service number is (605) 718-1818.
What is the support contact email for Black Hills FCU Visa Traditional Credit Card?
The support contact email for Black Hills FCU Visa Traditional Credit Card is bhfcu@bhfcu.net.
What is the Black Hills FCU Visa Traditional Credit Card login page?
You can access the Black Hills FCU Visa Traditional Credit Card login page here.
How do people rate the customer service and user experience of Black Hills FCU Visa Traditional Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Black Hills FCU Visa Traditional Credit Card report your account activity to credit bureaus?
Yes, Black Hills FCU Visa Traditional 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 Black Hills FCU Visa Traditional Credit Card
- Visit the Black Hills FCU Visa Traditional 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.
Contact
- Headquarters
-
2700 North Plaza Drive
Rapid City, SD 57709 USA - (605) 718-1818
- Visit Site
- Email Support
About Black Hills FCU Visa Traditional Credit Card
Other Credit Cards by Black Hills Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 2.90% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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