Educators Credit Union Visa Classic Card
in Personal Credit Cards from Educators Credit Union
UnaffiliatedEducators Credit Union Visa Classic Card
in Personal Credit Cards from Educators Credit Union
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| Purchase APR (Variable APR) | Starting at 13.80% |
| Balance Transfer APR (Variable APR) | Starting at 13.80% |
| Credit Score Range | 670 - 840 |
| Annual Fee | $0 |
Educators Credit Union Visa Classic Card Review
Educators Credit Union Visa Classic Card is a cashback credit card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Classic Card is the right card for you, read on. This is everything you need to know to make a good choice.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
| The Good | The Bad |
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Is there a Educators Credit Union Visa Classic Card cash back or rewards program?
No, Educators Credit Union Visa Classic Card does not offer a rewards program. Educators Credit Union Visa Classic Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.
What are the Educators Credit Union Visa Classic Card benefits?
Educators Credit Union Visa Classic Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cellular Telephone Protection
- Reports to major credit bureaus
What are the relevant APRs for Educators Credit Union Visa Classic Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Educators Credit Union Visa Classic Card has lower than average purchase APRs.Educators Credit Union Visa Classic Card has a variable purchase APR starting at 13.80% . The card has a variable balance transfer APR starting at 13.80% . It also has a variable cash advance APR starting at 13.80% .
Does Educators Credit Union Visa Classic Card have an introductory APR offer on balance transfers?
No, Educators Credit Union Visa Classic Card does not come with an introductory APR offer for balance transfers.Does Educators Credit Union Visa Classic Card have an introductory APR offer on new purchases?
Educators Credit Union Visa Classic Card does not offer an introductory rate on new purchases.What are the fees for Educators Credit Union Visa Classic Card?
The following fees apply to Educators Credit Union Visa Classic Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Returned Payment Fee | up to $26 |
| Late Payment Fee | up to $25 |
Does Educators Credit Union Visa Classic Card report your account activity to credit bureaus?
Yes, Educators Credit Union Visa Classic Card 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 Educators Credit Union Visa Classic Card
- Visit the Educators Credit Union Visa Classic Card 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.
Contact
- Headquarters
-
1400 N Newman Rd
Racine, WI 53406 - Visit Site
Other Services by Educators Credit Union
Availability
Feature Breakdown
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $3.00 |
| Cash Advance Fee (%) | Starting at 2.00% |
| Minimum Cash Advance Fee ($) | Up to $3.00 |
| Returned Payment Fee | Up to $26 |
| Paper Statement Fee | $5.00 |
| Additional Card Fee Amount | $5.00 |
| Late Fee Amount | Up to $25 |
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