CAP COM FCU Visa Secured Credit Card

CAP COM FCU Visa Secured Credit Card Review

This is a secured credit card card issued by CAP COM Federal Credit Union. If you're wondering whether CAP COM FCU Visa Secured Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. CAP COM FCU Visa 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 relatively good approval odds.

Pros & Cons of CAP COM FCU Visa Secured Credit Card

The Good	The Bad
Potentially 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 credit. CAP COM FCU Visa 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 FCU Visa Secured Credit Card FAQ

Does CAP COM FCU Visa Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the CAP COM FCU Visa 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 FCU Visa 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. This card has lower than average regular APRs.

CAP COM FCU Visa Secured Credit Card 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% .

What are the fees for CAP COM FCU Visa Secured Credit Card?

The following fees apply:

CAP COM FCU Visa 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.

Does CAP COM FCU Visa Secured Credit Card report your account activity to credit bureaus?

Yes, CAP COM FCU Visa 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 FCU Visa Secured Credit Card

• Visit the CAP COM FCU Visa 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.