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  CAP COM Federal Credit Union Visa Classic Secured Credit Card

CAP COM Federal Credit Union Visa Classic Secured Credit Card

in Personal Credit Cards from CAP COM Federal Credit Union

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CAP COM Federal Credit Union Visa Classic Secured Credit Card

Unaffiliated

in Personal Credit Cards from CAP COM Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 13.9%
Balance Transfer APR  (Fixed APR) 13.9%
Credit Score Range 350 - 600
Annual Fee $0

CAP COM Federal Credit Union Visa Classic Secured Credit Card Review

This is a secured credit card credit card issued by CAP COM Federal Credit Union. If you're wondering whether CAP COM Federal Credit Union Visa Classic Secured 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. CAP COM Federal Credit Union Visa Classic Secured Credit Card has a fixed purchase APR of 13.9%
  • 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.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
  • 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.
Pros & Cons of CAP COM Federal Credit Union Visa Classic Secured Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • CAP COM Federal Credit Union Visa Classic Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
CAP COM Federal Credit Union Visa Classic Secured Credit Card FAQ

Does CAP COM Federal Credit Union Visa Classic Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the CAP COM Federal Credit Union Visa Classic Secured 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 CAP COM Federal Credit Union Visa Classic Secured 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. It has lower than average regular APRs.

It has a fixed purchase APR of 13.9%. The card has a fixed balance transfer APR of 13.9% . It also has a fixed cash advance APR of 13.9% .

Does CAP COM Federal Credit Union Visa Classic Secured Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does CAP COM Federal Credit Union Visa Classic Secured Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for CAP COM Federal Credit Union Visa Classic Secured Credit Card?

The following fees apply:

CAP COM Federal Credit Union Visa Classic Secured Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $10
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for CAP COM Federal Credit Union Visa Classic Secured Credit Card?

The CAP COM Federal Credit Union Visa Classic Secured Credit Card customer service number is (800) 634-2340.

What is the support contact email for CAP COM Federal Credit Union Visa Classic Secured Credit Card?

The support contact email for CAP COM Federal Credit Union Visa Classic Secured Credit Card is service@capcomfcu.org .

Does CAP COM Federal Credit Union Visa Classic Secured Credit Card report your account activity to credit bureaus?

Yes, CAP COM Federal Credit Union Visa Classic Secured 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 CAP COM Federal Credit Union Visa Classic Secured Credit Card

  • Visit the CAP COM Federal Credit Union Visa Classic Secured 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.

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 8:30am - 4:30pm
  • Tuesday 8:30am - 4:30pm
  • Wednesday 8:30am - 4:30pm
  • Thursday 8:30am - 6:00pm
  • Friday 8:30am - 6:00pm
  • Saturday 8:30am - 12:30pm

Other Services by CAP COM Federal Credit Union

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View all personal credit cards offered by CAP COM Federal 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

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $10
Late Fee Amount Up to $25
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Security Deposit $500 - $15,000
Cash Advance APR (Fixed APR) 13.9%
Balance Computation "Average daily balance (including new purchases)."
Credit Limit $500 - $15,000
Purchase APR (Fixed APR) 13.9%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Fixed APR) 13.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
  • Bad Credit
Card Network Visa

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