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  California Credit Union Share-Secured Visa®

California Credit Union Share-Secured Visa®

in Personal Credit Cards from California Credit Union

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California Credit Union Share-Secured Visa®

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in Personal Credit Cards from California Credit Union

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Highlights
Purchase APR  (Variable APR) 10.9% - 16.9%
Balance Transfer APR  (Variable APR) 10.9% - 16.9%
Credit Score Range 350 - 600
Annual Fee $0

California Credit Union Share-Secured Visa® Review

California Credit Union Share-Secured Visa® is a secured credit card rewards credit 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. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 6 months.
  • Signup bonus. Offers a signup bonus of 3500 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. California Credit Union Share-Secured Visa® has a variable 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.
  • 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 1% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
California Credit Union Share-Secured Visa® Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere California Credit Union Share-Secured Visa® is accepted.
  • California Credit Union Share-Secured Visa® reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
California Credit Union Share-Secured Visa® FAQ

Is there a California Credit Union Share-Secured Visa® cash back or rewards program?

California Credit Union Share-Secured Visa® offers a rewards program to its customers.

California Credit Union Share-Secured Visa® Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 3500

Does California Credit Union Share-Secured Visa® have a signup bonus?

California Credit Union Share-Secured Visa® 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?

California Credit Union Share-Secured Visa® 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. California Credit Union Share-Secured Visa® has lower than average purchase 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 introductory APR offer on balance transfers?

Yes, California Credit Union Share-Secured Visa® offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

California Credit Union Share-Secured Visa® Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.9% - 16.9%
Balance Transfer Fee % 2%

Does California Credit Union Share-Secured Visa® have an introductory APR offer on new purchases?

California Credit Union Share-Secured Visa® Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for California Credit Union Share-Secured Visa®?

The following fees apply to California Credit Union Share-Secured Visa®:

  • There is no overlimit fee
California Credit Union Share-Secured Visa® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $15
Late Payment Fee up to $10

Does California Credit Union Share-Secured Visa® have a foreign transaction fee?

California Credit Union Share-Secured Visa® 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 a foreign transaction fee.

Does California Credit Union Share-Secured Visa® report your account activity to credit bureaus?

Yes, California Credit Union Share-Secured Visa® 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 California Credit Union Share-Secured Visa®

  • Visit the California Credit Union Share-Secured Visa® 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 - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by California Credit Union

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View all personal credit cards offered by California Credit Union

Availability

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

Feature Breakdown

Every Purchase (Points) Starting at 1
Every Purchase (Points) You'll earn one point for every $1 spent.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.01
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $15
Late Fee Amount Up to $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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 3,500
Security Deposit $500 - $5,000
Credit Limit $500 - $5,000
Purchase APR (Variable APR) 10.9% - 16.9%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.9% - 16.9%
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
  • Secured
  • Bad Credit
  • Bonus Offers
  • Zero Percent
Card Network Visa

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