Educational Systems Federal Credit Union Credit Card Visa Review

This is a rewards credit card issued by Educational Systems Federal Credit Union. If you're wondering whether Educational Systems Federal Credit Union Credit Card Visa 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.

• Competitive APRs. Educational Systems Federal Credit Union Credit Card Visa has a fixed purchase APR that ranges from 9.25% up to 16.75%.
• 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 relatively good approval odds.

The Good	The Bad
Potentially lower than average purchase APRs. 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. Educational Systems Federal Credit Union Credit Card Visa reports to multiple credit bureaus.	Does not offer a signup bonus. You don't earn rewards on every purchase.

Does Educational Systems Federal Credit Union Credit Card Visa have a cash back or rewards program?

Educational Systems Federal Credit Union Credit Card Visa is a rewards card. This card features rewards for purchases in the following categories:

Educational Systems Federal Credit Union Credit Card Visa Rewards

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

What are the Educational Systems Federal Credit Union Credit Card Visa benefits?

It provides the following benefits:

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

What are the relevant APRs for Educational Systems Federal Credit Union Credit Card Visa?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Educational Systems Federal Credit Union Credit Card Visa has a fixed purchase APR that ranges from 9.25% up to 16.75%. The card has a fixed balance transfer APR that ranges from 9.25% up to 16.75%. It also has a fixed cash advance APR that ranges from 9.25% up to 16.75%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Educational Systems Federal Credit Union Credit Card Visa?

The following fees apply:

Educational Systems Federal Credit Union Credit Card Visa Fees

Fees	Amount
Annual Fee
Returned Payment Fee	up to $27.00
Late Payment Fee	up to $20.00

Does Educational Systems Federal Credit Union Credit Card Visa report your account activity to credit bureaus?

Yes, Educational Systems Federal Credit Union Credit Card Visa 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 Educational Systems Federal Credit Union Credit Card Visa

• Visit the Educational Systems Federal Credit Union Credit Card Visa 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.