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  Educational Systems FCU Credit Card Visa
Educational Systems FCU Credit Card Visa Unaffiliated

Educational Systems FCU Credit Card Visa

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Highlights
Purchase APR  (Fixed APR) 9.25 - 16.75
Balance Transfer APR  (Fixed APR) 9.25 - 16.75
Credit Score Range 300 - 850
Annual Fee N/A

Educational Systems FCU Credit Card Visa Review

This is a rewards credit 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

  • Competitive 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 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.

Pros & Cons of Educational Systems FCU Credit Card Visa

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 credit.
  • Cardholders can earn rewards on their purchases.
  • Educational Systems FCU Credit Card Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.

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:

Educational Systems FCU Credit Card Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

Educational Systems FCU Credit Card Visa Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $27.00
Late Payment Fee up to $20.00

What is the customer service phone number for Educational Systems FCU Credit Card Visa?

The Educational Systems FCU Credit Card Visa customer service number 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 Educational Systems FCU Credit Card Visa login page?

You can access the Educational Systems FCU Credit Card Visa login page 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 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 FCU Credit Card Visa

  • Visit the Educational Systems FCU 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.

View Educational Systems FCU Credit Card Visa'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 - 6:00pm
  • Saturday 9:00am - 2:00pm

About Educational Systems FCU Credit Card Visa

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View all credit cards offered by Educational Systems Federal Credit Union

Availability

  Available in 1 state
Maryland
Availabile in all of Maryland

Feature Breakdown

No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 27.00
Paper Statement Fee 7.00
Additional Card Fee Amount 10.00
Late Fee Amount Up to 20.00
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 (Fixed APR) 9.25 - 16.75
APR Type Fixed APR
Balance Computation We use a method called "average daily balance (including new purchases)".
Penalty APR (Fixed APR) 18
Purchase APR (Fixed APR) 9.25 - 16.75
Balance Transfer APR (Fixed APR) 9.25 - 16.75
Card Type
  • Rewards
Card Network Visa

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