Clearpath FCU Checking Visa® Credit Card

Clearpath FCU Checking Visa® Credit Card Review

This is a secured credit card 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

• High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 17.90%
• 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 1% every time you make a transaction outside the U.S.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• 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 your credit score is above 620.

Pros & Cons of Clearpath FCU Checking Visa® Credit Card

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.

What are the Clearpath FCU Checking Visa® Credit Card benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Clearpath FCU Checking Visa® Credit Card?

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.

What are the fees for Clearpath FCU Checking Visa® Credit Card?

The following fees apply:

This card charges a $50 annual fee.

Does Clearpath FCU Checking Visa® Credit Card report your account activity to credit bureaus?

Yes, Clearpath FCU Checking Visa® Credit Card 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 Clearpath FCU Checking Visa® Credit Card

• Visit the Clearpath FCU Checking Visa® Credit Card 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.