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  Educators Credit Union Visa Classic Card

Educators Credit Union Visa Classic Card

in Personal Credit Cards from Educators Credit Union

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Educators Credit Union Visa Classic Card

Unaffiliated

in Personal Credit Cards from Educators Credit Union

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Highlights
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.

Key Takeaways
  • 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.
Educators Credit Union Visa Classic Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Educators Credit Union Visa Classic Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
Educators Credit Union Visa Classic Card FAQ

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:

Educators Credit Union Visa Classic Card Fees
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.

View Educators Credit Union Visa Classic Card'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.

Availability

  Available in 1 state
Wisconsin
Availabile in all of Wisconsin

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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 670 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 13.80%
Balance Computation We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.
Purchase APR (Variable APR) Starting at 13.80%
Balance Transfer APR (Variable APR) Starting at 13.80%
Card Type
  • Balance Transfer
  • Cashback
Card Network Visa

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