Education First Federal Credit Union Visa Gold Review

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

• Competitive APRs. Education First Federal Credit Union Visa Gold has a variable purchase APR that ranges from 9.75% up to 18.00%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, 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. Has an introductory APR rate on balance transfers of 4.99%. No balance transfer fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Education First Federal Credit Union Visa Gold reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1.00%. You don't earn rewards on every purchase.

Is there a Education First Federal Credit Union Visa Gold cash back or rewards program?

Education First Federal Credit Union Visa Gold offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Education First Federal Credit Union Visa Gold Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Education First Federal Credit Union Visa Gold benefits?

Education First Federal Credit Union Visa Gold provides the following benefits:

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

What are the relevant APRs for Education First Federal Credit Union Visa Gold?

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

Education First Federal Credit Union Visa Gold has a variable purchase APR that ranges from 9.75% up to 18.00%. The card has a variable balance transfer APR that ranges from 9.75% up to 18.00%. It also has a variable cash advance APR that ranges from 9.75% up to 18.00%.

What are the fees for Education First Federal Credit Union Visa Gold?

The following fees apply to Education First Federal Credit Union Visa Gold:

• An overlimit fee of $10.00.

Education First Federal Credit Union Visa Gold Fees

Fees	Amount
Annual Fee
Overlimit Fee	$10.00
Foreign Transaction Fee	1.00%
Returned Payment Fee	up to $27.00

Does Education First Federal Credit Union Visa Gold report your account activity to credit bureaus?

Yes, Education First Federal Credit Union Visa Gold 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 Education First Federal Credit Union Visa Gold

• Visit the Education First Federal Credit Union Visa Gold 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.