Last Updated: 07/28/2025
California Credit Union Share-Secured Visa®
Unaffiliated
in Credit Cards from California Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.9% - 16.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.9% - 16.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
350 - 600
Annual Fee
$0
California Credit Union Share-Secured Visa® Review
This is a secured credit rewards card issued by California Credit Union. If you're wondering whether California Credit Union Share-Secured Visa® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- Welcome offer. Offers a signup bonus of 3500 points that can be redeemed for travel, gifts, or other perks.
- APRs: California Credit Union Share-Secured Visa® has a variable regular purchase APR that ranges from 10.9% up to 16.9%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. California Credit Union Share-Secured Visa® charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of California Credit Union Share-Secured Visa®
| The Good | The Bad |
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California Credit Union Share-Secured Visa® FAQ
Does California Credit Union Share-Secured Visa® have a cash back or rewards program?
California Credit Union Share-Secured Visa® is a rewards card.
| Description |
Does California Credit Union Share-Secured Visa® have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 3500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does California Credit Union Share-Secured Visa® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the California Credit Union Share-Secured Visa® benefits?
California Credit Union Share-Secured Visa® provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for California Credit Union Share-Secured Visa®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.California Credit Union Share-Secured Visa® has a variable purchase APR that ranges from 10.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 10.9% up to 16.9%.
Does California Credit Union Share-Secured Visa® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.9% - 16.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does California Credit Union Share-Secured Visa® have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for California Credit Union Share-Secured Visa®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does California Credit Union Share-Secured Visa® have a foreign transaction fee?
California Credit Union Share-Secured Visa® charges a foreign transaction fee of up to 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 California Credit Union Share-Secured Visa®?
The customer service number for California Credit Union Share-Secured Visa® is (800) 334-8788.
What is the support contact email for California Credit Union Share-Secured Visa®?
The support contact email for California Credit Union Share-Secured Visa® is askme@californiacu.org.
How do people rate the customer service and user experience of California Credit Union Share-Secured Visa®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does California Credit Union Share-Secured Visa® report your account activity to credit bureaus?
Yes, California Credit Union Share-Secured Visa® reports to the following credit bureaus:
- 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 build your credit.
Does California Credit Union perform a hard credit pull?
Yes, California Credit Union Share-Secured Visa® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for California Credit Union Share-Secured Visa®
- Visit the website of California Credit Union Share-Secured Visa®.
- 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.
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 - 6:00PM
Saturday
9:00AM - 2:00PM
Other Services by California Credit Union
Other Credit Cards from California Credit Union
Rating not yet determined
Purchase APR
9.9% - 15.9%
Disclaimer popup with additional information
Balance Transfer APR
9.9% - 15.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
10.9% - 16.9%
Disclaimer popup with additional information
Balance Transfer APR
10.9% - 16.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.9% - 15.9%
Disclaimer popup with additional information
Balance Transfer APR
9.9% - 15.9%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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