Corning Credit Union Visa Traditional Review

Corning Credit Union Visa Traditional is a credit card issued by Corning Credit Union. If you're wondering whether Corning Credit Union Visa Traditional is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. Corning Credit Union Visa Traditional has a variable purchase APR that ranges from 9.49% up to 12.49%.
• 2% Balance transfer fee. Corning Credit Union Visa Traditional charges a fee of 2% on balance transfers. After the introductory period, the fee is 12.49%. 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. Multiple credit card perks. Offers auto rental collision damage waiver. Travel accident and travel assistance insurance. Trip cancellation insurance. Considers applicants with fair or poor credit. Corning Credit Union Visa Traditional reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. Charges a 2% balance transfer fee. After the introductory period, the fee is 12.49% .

Is there a Corning Credit Union Visa Traditional cash back or rewards program?

No, Corning Credit Union Visa Traditional does not offer a rewards program.

What are the Corning Credit Union Visa Traditional benefits?

Corning Credit Union Visa Traditional provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Corning Credit Union Visa Traditional?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Corning Credit Union Visa Traditional has lower than average purchase APRs.

Corning Credit Union Visa Traditional has a variable purchase APR that ranges from 9.49% up to 12.49%. The card has a variable balance transfer APR that ranges from 9.49% up to 12.49%.

What are the fees for Corning Credit Union Visa Traditional?

The following fees apply to Corning Credit Union Visa Traditional:

Corning Credit Union Visa Traditional Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25.00

Does Corning Credit Union Visa Traditional report your account activity to credit bureaus?

Yes, Corning Credit Union Visa Traditional 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 Corning Credit Union Visa Traditional

• Visit the Corning Credit Union Visa Traditional 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.