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  Education First Federal Credit Union Visa Gold

Education First Federal Credit Union Visa Gold

in Personal Credit Cards from Education First Federal Credit Union

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Education First Federal Credit Union Visa Gold

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in Personal Credit Cards from Education First Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.75 - 18.00
Balance Transfer APR  (Variable APR) 9.75 - 18.00
Credit Score Range 300 - 850
Annual Fee N/A

Education First Federal Credit Union Visa Gold Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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.
Pros & Cons of Education First Federal Credit Union Visa Gold
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.
Education First Federal Credit Union Visa Gold FAQ

Does Education First Federal Credit Union Visa Gold have a cash back or rewards program?

Education First Federal Credit Union Visa Gold is a rewards card. 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

Does Education First Federal Credit Union Visa Gold have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Education First Federal Credit Union Visa Gold offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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%.

Does Education First Federal Credit Union Visa Gold have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 6 months.

Education First Federal Credit Union Visa Gold Balance Transfers
Description
Balance Transfer Introductory APR 4.99
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.75 - 18.00

Does Education First Federal Credit Union Visa Gold 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 Education First Federal Credit Union Visa Gold?

The following fees apply:

  • 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 have a foreign transaction fee?

Education First Federal Credit Union Visa Gold charges a foreign transaction fee of 1.00%. 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 Education First Federal Credit Union Visa Gold?

The Education First Federal Credit Union Visa Gold customer service number is (409) 898-3770.

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.

View Education First Federal Credit Union Visa Gold'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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 12:00pm

About Education First Federal Credit Union Visa Gold

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View all personal credit cards offered by Education First Federal Credit Union

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.00
Over-Limit Fee 10.00
Returned Payment Fee Up to 27.00
Paper Statement Fee 3.00
Additional Card Fee Amount 10.00
Late Fee Amount Starting at 25.00
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 9.75 - 18.00
Balance Computation We use a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 9.75 - 18.00
Balance Transfer Introductory APR (Variable APR) 4.99
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.75 - 18.00
Card Type
  • Rewards
Card Network Visa

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