Last Updated: 07/28/2025
Education First Federal Credit Union Visa Gold
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
9.75% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
9.75% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 850
Annual Fee
N/A
Education First Federal Credit Union Visa Gold Review
This is a rewards 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.
Key Takeaways
- APRs: Education First Federal Credit Union Visa Gold has a variable regular 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 up to 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 security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Education First Federal Credit Union Visa Gold
| The Good | The Bad |
|
|
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:
- Select Merchants
| Description |
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?
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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular 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%.
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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.75% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25.00. 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 up to 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 customer service number for Education First Federal Credit Union Visa Gold is (409) 898-3770.
What is the support contact email for Education First Federal Credit Union Visa Gold?
The support contact email for Education First Federal Credit Union Visa Gold is info@educationfirstfcu.org.
What is the login page for Education First Federal Credit Union Visa Gold?
You can access the login page of Education First Federal Credit Union Visa Gold here.
How do people rate the customer service and user experience of Education First Federal Credit Union Visa Gold?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Education First Federal Credit Union Visa Gold report your account activity to credit bureaus?
Yes, Education First Federal Credit Union Visa Gold reports to the following credit bureaus:
- 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 build your credit.
Does Education First Federal Credit Union perform a hard credit pull?
Yes, Education First Federal Credit Union Visa Gold performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Education First Federal Credit Union Visa Gold
- Visit the website of Education First Federal Credit Union Visa Gold.
- 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.
Hours of Operation
Sunday
Closed
Monday
Invalid DateTime - Invalid DateTime
Tuesday
Invalid DateTime - Invalid DateTime
Wednesday
Invalid DateTime - Invalid DateTime
Thursday
Invalid DateTime - Invalid DateTime
Friday
Invalid DateTime - Invalid DateTime
Saturday
Invalid DateTime - Invalid DateTime