Last Updated: 07/28/2025
Educational Systems FCU Credit Card Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.25% - 16.75%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
9.25% - 16.75%(Verified 06/21/2024)
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Credit Score Range
300 - 850
Annual Fee
N/A
Educational Systems FCU Credit Card Visa Review
This is a rewards card issued by Educational Systems Federal Credit Union. If you're wondering whether Educational Systems FCU Credit Card Visa is the right card for you, read on.
Key Takeaways
- APRs: Educational Systems FCU 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 security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Educational Systems FCU Credit Card Visa
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Educational Systems FCU Credit Card Visa FAQ
Does Educational Systems FCU Credit Card Visa have a cash back or rewards program?
Educational Systems FCU Credit Card Visa is a rewards card. This card features rewards for purchases in the following categories:
- Select Merchants
| Description |
Does Educational Systems FCU Credit Card Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does Educational Systems FCU Credit Card Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Educational Systems FCU Credit Card Visa benefits?
Educational Systems FCU Credit Card Visa provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Educational Systems FCU Credit Card Visa?
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.Educational Systems FCU 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.Does Educational Systems FCU Credit Card Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Educational Systems FCU Credit Card Visa 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 Educational Systems FCU Credit Card Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $7.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for Educational Systems FCU Credit Card Visa?
The customer service number for Educational Systems FCU Credit Card Visa is (301) 779-8500.
What is the support contact email for Educational Systems FCU Credit Card Visa?
The support contact email for Educational Systems FCU Credit Card Visa is online@esfcu.org.
What is the login page for Educational Systems FCU Credit Card Visa?
You can access the login page of Educational Systems FCU Credit Card Visa here.
How do people rate the customer service and user experience of Educational Systems FCU Credit Card Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Educational Systems FCU Credit Card Visa report your account activity to credit bureaus?
Yes, Educational Systems FCU Credit Card Visa 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 Educational Systems Federal Credit Union perform a hard credit pull?
Yes, Educational Systems FCU Credit Card Visa 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 Educational Systems FCU Credit Card Visa
- Visit the website of Educational Systems FCU Credit Card Visa.
- 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 Educational Systems FCU Credit Card Visa's published terms & conditions
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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.
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