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  Educational Systems Federal Credit Union Gold Visa

Educational Systems Federal Credit Union Gold Visa

in Personal Credit Cards from Educational Systems Federal Credit Union

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Educational Systems Federal Credit Union Gold Visa

Unaffiliated

in Personal Credit Cards from Educational Systems Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 12.90 - 17.90
Balance Transfer APR  (Variable APR) 12.90 - 17.90
Credit Score Range 300 - 850
Annual Fee Starting at $35.00

Educational Systems Federal Credit Union Gold 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 Gold 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.

Key Takeaways
  • Competitive APRs. Educational Systems Federal Credit Union Gold Visa has a variable purchase APR that ranges from 12.90% up to 17.90%.
  • 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 Educational Systems Federal Credit Union Gold Visa
The Good The Bad
  • 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 purchases everywhere Educational Systems Federal Credit Union Gold Visa is accepted.
  • Educational Systems Federal Credit Union Gold Visa reports to multiple credit bureaus.
  • Charges an annual fee of up to .
  • Does not offer a signup bonus.
Educational Systems Federal Credit Union Gold Visa FAQ

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

Educational Systems Federal Credit Union Gold Visa is a rewards card.

Educational Systems Federal Credit Union Gold Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Educational Systems Federal Credit Union Gold Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Educational Systems Federal Credit Union Gold Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Educational Systems Federal Credit Union Gold 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 Gold 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 12.90% up to 17.90%. It also has a variable cash advance APR that ranges from 12.90% up to 17.90%. 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 Federal Credit Union Gold 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 Federal Credit Union Gold 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 Federal Credit Union Gold Visa?

The following fees apply:

Educational Systems Federal Credit Union Gold Visa Fees
Fees Amount
Annual Fee N/A
Returned Payment Fee up to $27.00
Late Payment Fee up to $20.00

What is the customer service phone number for Educational Systems Federal Credit Union Gold Visa?

The Educational Systems Federal Credit Union Gold Visa customer service number is (301) 779-8500.

What is the support contact email for Educational Systems Federal Credit Union Gold Visa?

The support contact email for Educational Systems Federal Credit Union Gold Visa is online@esfcu.org.

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

Yes, Educational Systems Federal Credit Union Gold 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 Gold Visa

  • Visit the Educational Systems Federal Credit Union Gold 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 Federal Credit Union Gold 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 Federal Credit Union Gold Visa

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View all personal credit cards offered by Educational Systems Federal Credit Union

Availability

  Available in 1 state
Maryland
Availabile in all of Maryland

Feature Breakdown

No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee Starting at $35.00
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
  • Every Purchase
  • Select Merchants
Cash Advance APR (Variable APR) 12.90 - 17.90
Balance Computation We use a method called "average daily balance (including new purchases)".
Penalty APR (Variable APR) 18
Purchase APR (Variable APR) 12.90 - 17.90
Balance Transfer APR (Variable APR) 12.90 - 17.90
Card Type
  • Rewards
Card Network Visa

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