Last Updated: 07/28/2025
Clearpath FCU Checking Visa® Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
17.90%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
17.90%(Verified 06/21/2024)
Credit Score Range
620 - 850
Annual Fee
$50
Clearpath FCU Checking Visa® Credit Card Review
This is a secured credit card issued by Clearpath Federal Credit Union. If you're wondering whether Clearpath FCU Checking Visa® Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 17.90%
- A 2% balance transfer fee. Clearpath FCU Checking Visa® Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- 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 extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Clearpath FCU Checking Visa® Credit Card
| The Good | The Bad |
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Clearpath FCU Checking Visa® Credit Card FAQ
Does Clearpath FCU Checking Visa® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Clearpath FCU Checking Visa® 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.Clearpath FCU Checking Visa® Credit Card has a fixed purchase APR of 17.90%. The card has a fixed balance transfer APR of 17.90% . It also has a fixed cash advance APR of 17.90% .
Note that late payments are subject to an APR of 17.90% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Clearpath FCU Checking Visa® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Clearpath FCU Checking Visa® 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 Clearpath FCU Checking Visa® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $50.
Does Clearpath FCU Checking Visa® Credit Card have a foreign transaction fee?
Clearpath FCU Checking Visa® Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Clearpath FCU Checking Visa® Credit Card?
The customer service number for Clearpath FCU Checking Visa® Credit Card is (800) 433-7328.
What is the support contact email for Clearpath FCU Checking Visa® Credit Card?
The support contact email for Clearpath FCU Checking Visa® Credit Card is info@clearpathfcu.org.
What is the login page for Clearpath FCU Checking Visa® Credit Card?
You can access the login page of Clearpath FCU Checking Visa® Credit Card here.
How do people rate the customer service and user experience of Clearpath FCU Checking Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Clearpath FCU Checking Visa® Credit Card report your account activity to credit bureaus?
Yes, Clearpath FCU Checking Visa® 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 Clearpath Federal Credit Union perform a hard credit pull?
Yes, Clearpath FCU Checking Visa® 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 Clearpath FCU Checking Visa® Credit Card
- Visit the website of Clearpath FCU Checking Visa® 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
10:00AM - 2:00PM