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.

• 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 oods if your credit score is above600.

The Good	The Bad
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.

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. It has lower than average regular APRs.

It 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%.

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.

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.