Circle Federal Credit Union Visa Secured

Circle Federal Credit Union Visa Secured Review

This is a card issued by Circle Federal Credit Union. If you're wondering whether Circle Federal Credit Union Visa Secured is the right card for you, read on.

Key Takeaways

• Competitive APRs. Circle Federal Credit Union Visa Secured has a fixed purchase APR of 12.99%

Pros & Cons of Circle Federal Credit Union Visa Secured

The Good	The Bad
With a Visa Secured Credit Card, members with low or little-to-no established credit history can reach financial stability. This card is designed to help members build or re-establish credit history for later lending opportunities, such as a car loan or mortgage! Potentially lower than average purchase APRs. Circle Federal Credit Union Visa Secured reports to multiple credit bureaus.	N/A Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Circle Federal Credit Union Visa Secured FAQ

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

No, it does not offer a rewards program.

What are the Circle Federal Credit Union Visa Secured benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

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

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 Secured has a fixed purchase APR of 12.99%. The card has a fixed balance transfer APR of 12.99% . It also has a fixed cash advance APR of 12.99% .

What are the fees for Circle Federal Credit Union Visa Secured?

The following fees apply:

Circle Federal Credit Union Visa Secured Fees

Fees	Amount
Annual Fee	N/A
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	%
Returned Payment Fee	$
Late Payment Fee

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

Yes, Circle Federal Credit Union Visa Secured 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 Secured

• Visit the Circle Federal Credit Union Visa Secured 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.