Bowater CU Classic VISA Credit Card

Bowater CU Classic VISA Credit Card Review

This is a card issued by Bowater Credit Union. If you're wondering whether Bowater CU Classic VISA Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Bowater CU Classic VISA Credit Card has a fixed purchase APR of 9.9%
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Bowater CU Classic VISA Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Bowater CU Classic VISA Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Bowater CU Classic VISA Credit Card FAQ

Does Bowater CU Classic VISA Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Bowater CU Classic VISA Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Bowater CU Classic 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.

Bowater CU Classic VISA Credit Card has a fixed purchase APR of 9.9%. The card has a fixed balance transfer APR of 9.9% . It also has a fixed cash advance APR of 9.9% .

What are the fees for Bowater CU Classic VISA Credit Card?

The following fees apply:

Bowater CU Classic VISA Credit Card Fees

Description
No Annual Fee?
Annual 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 Bowater CU Classic VISA Credit Card report your account activity to credit bureaus?

Yes, Bowater CU Classic 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 Bowater CU Classic VISA Credit Card

• Visit the Bowater CU Classic 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.