SuperMoney
  Educators Credit Union Visa Pledge Card

Educators Credit Union Visa Pledge Card

in Personal Credit Cards from Educators Credit Union

Unaffiliated

Educators Credit Union Visa Pledge Card

Unaffiliated

in Personal Credit Cards from Educators Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Educators Credit Union Visa Pledge Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) Starting at 13.8%
Credit Score Range 670 - 840
Annual Fee $0

Educators Credit Union Visa Pledge Card Review

This is a cashback credit card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Pledge 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
  • 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.
Pros & Cons of Educators Credit Union Visa Pledge Card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Educators Credit Union Visa Pledge Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
Educators Credit Union Visa Pledge Card FAQ

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

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Educators Credit Union Visa Pledge 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 Pledge Card?

The card has a variable balance transfer APR starting at 13.8% . It also has a variable cash advance APR starting at 13.8% .

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

Educators Credit Union Visa Pledge Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $26
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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

Yes, Educators Credit Union Visa Pledge 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 Pledge Card

  • Visit the Educators Credit Union Visa Pledge 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 Pledge 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 $3
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $3
Returned Payment Fee Up to $26
Additional Card Fee Amount $5
Late Fee Amount Up to $25
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 Type Points
Cash Advance APR (Variable APR) Starting at 13.8%
Balance Computation We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.
Balance Transfer APR (Variable APR) Starting at 13.8%
Card Type
  • Balance Transfer
  • Cashback
Card Network Visa

Be the first to rate

 

Would you recommend Educators Credit Union Visa Pledge Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Educators Credit Union Personal Credit Cards

Loading...