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  Educational Systems Federal Credit Union Reward Visa
Educational Systems Federal Credit Union Reward Visa Unaffiliated

Educational Systems Federal Credit Union Reward Visa

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Highlights
Purchase APR 3.25 - 15.25
Balance Transfer APR 3.25 - 15.25
Credit Score Range 600 - 699
Annual Fee Starting at $50.00

Educational Systems Federal Credit Union Reward Visa Review

This is a credit card issued by Educational Systems Federal Credit Union. If you're wondering whether Educational Systems Federal Credit Union Reward 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 Reward Visa has a variable purchase APR that ranges from 3.25% up to 15.25%.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Educational Systems Federal Credit Union Reward Visa
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Considers applicants with fair credit.
  • Educational Systems Federal Credit Union Reward Visa reports to multiple credit bureaus.
  • Charges an annual fee of up to .
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Educational Systems Federal Credit Union Reward Visa FAQ

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

No, it does not offer a rewards program.

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

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Educational Systems Federal Credit Union Reward 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 Reward Visa has a variable purchase APR that ranges from 3.25% up to 15.25%. The card has a variable balance transfer APR that ranges from 3.25% up to 15.25%. It also has a variable cash advance APR that ranges from 3.25% up to 15.25%. 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 Reward 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 Reward 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 Reward Visa?

The following fees apply:

Educational Systems Federal Credit Union Reward 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 support contact email for Educational Systems Federal Credit Union Reward Visa?

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

What is the Educational Systems Federal Credit Union Reward Visa login page?

You can access the Educational Systems Federal Credit Union Reward Visa login page here.

How do people rate the customer service and user experience of Educational Systems Federal Credit Union Reward Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Educational Systems Federal Credit Union Reward Visa reports your account activity to the following credit reporting agencies:

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 Reward Visa

  • Visit the Educational Systems Federal Credit Union Reward 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 Reward 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 Reward 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 Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee Starting at $50.00
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
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 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
  • Online
Cash Advance APR 3.25 - 15.25
Balance Computation We use a method called "average daily balance (including new purchases)".
Penalty APR 18
Purchase APR 3.25 - 15.25
Balance Transfer APR 3.25 - 15.25
Card Type
  • Rewards
Card Network Visa

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