Last Updated: 07/28/2025
CAP COM FCU Visa Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
13.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
13.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
350 - 600
Annual Fee
$0
CAP COM FCU Visa Secured Credit Card Review
This is a secured credit 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
- 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 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, travel accident insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of CAP COM FCU Visa Secured Credit Card
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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% .
Does CAP COM FCU Visa 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 FCU Visa 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 FCU Visa Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 FCU Visa Secured Credit Card?
The customer service number for CAP COM FCU Visa Secured Credit Card is (800) 634-2340.
What is the support contact email for CAP COM FCU Visa Secured Credit Card?
The support contact email for CAP COM FCU Visa Secured Credit Card is service@capcomfcu.org .
How do people rate the customer service and user experience of CAP COM FCU Visa Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does CAP COM FCU Visa Secured Credit Card report your account activity to credit bureaus?
Yes, CAP COM FCU Visa Secured Credit Card 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 CAP COM Federal Credit Union perform a hard credit pull?
Yes, CAP COM FCU Visa Secured Credit Card 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 CAP COM FCU Visa Secured Credit Card
- Visit the website of CAP COM FCU Visa Secured Credit Card.
- 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.
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Hours of Operation
SundayClosedMonday8:30AM - 4:30PMTuesday8:30AM - 4:30PMWednesday8:30AM - 4:30PMThursday8:30AM - 6:00PMFriday8:30AM - 6:00PMSaturday8:30AM - 12:30PM
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Rating not yet determined
Purchase APR
13.9%
Disclaimer popup with additional information
Balance Transfer APR
13.9%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.9%
Disclaimer popup with additional information
Balance Transfer APR
9.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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