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.

• 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
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.

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

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. It has lower than average regular APRs.

It 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% .

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

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.