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  Educators Credit Union Visa Gold Card

Educators Credit Union Visa Gold Card

in Personal Credit Cards from Educators Credit Union

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Educators Credit Union Visa Gold Card

Unaffiliated

in Personal Credit Cards from Educators Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 6.25
Balance Transfer APR  (Variable APR) Starting at 6.25
Credit Score Range 670 - 840
Annual Fee N/A

Educators Credit Union Visa Gold Card Review

Educators Credit Union Visa Gold Card is a rewards credit card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Gold Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 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 Gold Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Educators Credit Union Visa Gold Card is accepted.
  • Educators Credit Union Visa Gold Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
Educators Credit Union Visa Gold Card FAQ

Is there a Educators Credit Union Visa Gold Card cash back or rewards program?

Educators Credit Union Visa Gold Card offers a rewards program to its customers.

Educators Credit Union Visa Gold Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Educators Credit Union Visa Gold Card have a signup bonus?

Educators Credit Union Visa Gold Card doesn't offer a cash signup bonus.

Does Educators Credit Union Visa Gold Card offer an annual loyalty bonus?

Educators Credit Union Visa Gold Card doesn't offer a cash loyalty bonus.

What are the Educators Credit Union Visa Gold Card benefits?

Educators Credit Union Visa Gold 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 Gold 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 Gold Card has lower than average purchase APRs.

Educators Credit Union Visa Gold Card has a variable purchase APR starting at 6.25% . The card has a variable balance transfer APR starting at 6.25% . It also has a variable cash advance APR starting at 6.25% .

Does Educators Credit Union Visa Gold Card have an introductory APR offer on balance transfers?

No, Educators Credit Union Visa Gold Card does not come with an introductory APR offer for balance transfers.

Does Educators Credit Union Visa Gold Card have an introductory APR offer on new purchases?

Educators Credit Union Visa Gold Card Purchase Intro Offer
Description
Introductory Rate 6.25

This card does offer an introductory APR rate of 6.25% on qualified purchases

What are the fees for Educators Credit Union Visa Gold Card?

The following fees apply to Educators Credit Union Visa Gold Card:

Educators Credit Union Visa Gold Card Fees
Fees Amount
Annual Fee

Does Educators Credit Union Visa Gold Card report your account activity to credit bureaus?

Yes, Educators Credit Union Visa Gold 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 Gold Card

  • Visit the Educators Credit Union Visa Gold 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 Gold 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

Introductory Rate 6.25
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 3.00
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) Starting at 3.00
Returned Payment Fee Starting at 26.00
Additional Card Fee Amount 5.00
Late Fee Amount Starting at 25.00
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 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 6.25
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 6.25
Balance Transfer APR (Variable APR) Starting at 6.25
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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