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  Educators Credit Union Visa Gold Card
Educators Credit Union Visa Gold Card Unaffiliated

Educators Credit Union Visa Gold Card

Unaffiliated
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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

This 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 review will provide you with with all the details you need 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.

Pros & Cons of Educators Credit Union Visa Gold Card

The Good The Bad
  • Potentially 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.
  • You need good credit to qualify.
  • Does not offer a signup bonus.

Educators Credit Union Visa Gold Card FAQ

Does Educators Credit Union Visa Gold Card have a cash back or rewards program?

Educators Credit Union Visa Gold Card is a rewards card.

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?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Educators Credit Union Visa Gold Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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

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

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

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

The following fees apply:

Educators Credit Union Visa Gold Card Fees
Fees Amount
Annual Fee

What is the customer service phone number for Educators Credit Union Visa Gold Card?

The Educators Credit Union Visa Gold Card customer service number is .

What is the support contact email for Educators Credit Union Visa Gold Card?

The support contact email for Educators Credit Union Visa Gold Card is amortgageofficer@ecu.com.

What is the Educators Credit Union Visa Gold Card login page?

You can access the Educators Credit Union Visa Gold Card login page here.

How do people rate the customer service and user experience of Educators Credit Union Visa Gold Card?

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

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
Cash Advance Fee Minimum 3.00
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) Starting at 3.00
No Interest Grace Period for Late Payment 25 days
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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