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  Corning Credit Union Visa Traditional

Corning Credit Union Visa Traditional

in Personal Credit Cards from Corning Credit Union

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Corning Credit Union Visa Traditional

Unaffiliated

in Personal Credit Cards from Corning Credit Union

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Highlights
Purchase APR  (Variable APR) 9.49% - 12.49%
Balance Transfer APR  (Variable APR) 9.49% - 12.49%
Credit Score Range 300 - 850
Annual Fee N/A

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.

Key Takeaways
  • 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.
Corning Credit Union Visa Traditional Pros & Cons
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% .
Corning Credit Union Visa Traditional FAQ

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%.

Does Corning Credit Union Visa Traditional have an introductory APR offer on balance transfers?

Yes, Corning Credit Union Visa Traditional offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Corning Credit Union Visa Traditional Balance Transfers
Description
Balance Transfer Fee % After Intro Period 9.49% - 12.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.49% - 12.49%
Balance Transfer Fee % 2%

Does Corning Credit Union Visa Traditional have an introductory APR offer on new purchases?

Corning Credit Union Visa Traditional Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

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 have a foreign transaction fee?

Corning Credit Union Visa Traditional charges a foreign transaction fee of 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 a foreign transaction fee.

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.

View Corning Credit Union Visa Traditional's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:45pm
  • Tuesday 9:00am - 4:45pm
  • Wednesday 9:00am - 4:45pm
  • Thursday 9:00am - 4:45pm
  • Friday 9:00am - 4:45pm
  • Saturday Closed

About Corning Credit Union Visa Traditional

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Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $2.50
Additional Card Fee Amount $10.00
Late Fee Amount Up to $25.00
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Balance Computation We use a method called the “average daily balance (including new purchases).”
Credit Limit Starting at $1
Purchase APR (Variable APR) 9.49% - 12.49%
Balance Transfer Fee % After Intro Period 9.49% - 12.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.49% - 12.49%
Balance Transfer Fee % 2%
Card Type
  • Low Interest
Card Network Visa

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