SuperMoney
Explore
Compare Rates

Compare All Personal Credit Cards

Filter & compare all your options in one place.

View All Personal Credit Cards
x No thanks, not right now
Advertiser Disclosure
  Circle Federal Credit Union Visa Classic
Circle Federal Credit Union Visa Classic
in Personal Credit Cards from Circle Federal Credit Union
Unaffiliated

Circle Federal Credit Union Visa Classic

Unaffiliated
in Personal Credit Cards from Circle Federal Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Personal Credit Cards.
My GM Rewards Card™
My GM Rewards Card™

Mostly recommended

6 reviews
Learn More
Highlights
Purchase APR  (Fixed APR) 9.9% - 12.9%
Balance Transfer APR  (Fixed APR) 9.9% - 12.9%
Credit Score Range 600 - 850
Annual Fee $0

Circle Federal Credit Union Visa Classic Review

This is a credit card issued by Circle Federal Credit Union. If you're wondering whether Circle Federal Credit Union Visa Classic 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. Circle Federal Credit Union Visa Classic has a fixed purchase APR that ranges from 9.9% up to 12.9%.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Circle Federal Credit Union Visa Classic
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Circle Federal Credit Union Visa Classic 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.
  • Does not include many credit card benefits.
Circle Federal Credit Union Visa Classic FAQ

Does Circle Federal Credit Union Visa Classic have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Circle Federal Credit Union Visa Classic benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Circle Federal Credit Union Visa Classic?

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.

Circle Federal Credit Union Visa Classic has a fixed purchase APR that ranges from 9.9% up to 12.9%. The card has a fixed balance transfer APR that ranges from 9.9% up to 12.9%. It also has a fixed cash advance APR that ranges from 9.9% up to 12.9%.

Does Circle Federal Credit Union Visa Classic have an intro APR offer on balance transfers?

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

Does Circle Federal Credit Union Visa Classic 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 Circle Federal Credit Union Visa Classic?

The following fees apply:

Circle Federal Credit Union Visa Classic Fees
Fees Amount
Annual 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 support contact email for Circle Federal Credit Union Visa Classic?

The support contact email for Circle Federal Credit Union Visa Classic is info@circlefcu.org.

How do people rate the customer service and user experience of Circle Federal Credit Union Visa Classic?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Circle Federal Credit Union Visa Classic report your account activity to credit bureaus?

Yes, Circle Federal Credit Union Visa Classic 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 Circle Federal Credit Union Visa Classic

  • Visit the Circle Federal Credit Union Visa Classic 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 10:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 12:00pm

About Circle Federal Credit Union Visa Classic

Icon for Personal Credit Cards
View all personal credit cards offered by Circle Federal Credit Union
View Circle Federal Credit Union Profile

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
Annual Fee $0
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 9.9% - 12.9%
Credit Limit Starting at $500
Purchase APR (Fixed APR) 9.9% - 12.9%
Balance Transfer APR (Fixed APR) 9.9% - 12.9%
Card Type
  • Low Interest
Card Network Visa

Be the first to rate

 

Would you recommend Circle Federal Credit Union Visa Classic to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Circle Federal Credit Union Personal Credit Cards

Loading...
Browse Personal Credit Cards
SuperMoney
Goals
Partner with us
Go to homepage

NMLS Consumer Access ID #1520999

Copyright 2022 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

This content is not provided by any financial institution. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.