Last Updated: 07/28/2025
Electro Savings CU Visa Gold Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
11.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Electro Savings CU Visa Gold Credit Card Review
This is a rewards card issued by Electro Savings Credit Union. If you're wondering whether Electro Savings CU Visa Gold Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Electro Savings CU Visa Gold Credit Card has a variable regular purchase APR of 11.99%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, and fraud protection.
Pros & Cons of Electro Savings CU Visa Gold Credit Card
| The Good | The Bad |
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Electro Savings CU Visa Gold Credit Card FAQ
Does Electro Savings CU Visa Gold Credit Card have a cash back or rewards program?
Electro Savings CU Visa Gold Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Electro Savings CU Visa Gold Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Electro Savings CU Visa Gold Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Electro Savings CU Visa Gold Credit Card benefits?
Electro Savings CU Visa Gold Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Electro Savings CU Visa Gold Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Electro Savings CU Visa Gold Credit Card has a variable purchase APR of 11.99%. The card has a variable balance transfer APR of 11.99% . It also has a variable cash advance APR of 11.99% .
Does Electro Savings CU Visa Gold Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Electro Savings CU Visa Gold Credit 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 Electro Savings CU Visa Gold Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Electro Savings CU Visa Gold Credit Card?
The customer service number for Electro Savings CU Visa Gold Credit Card is (314) 434-6470.
What is the support contact email for Electro Savings CU Visa Gold Credit Card?
The support contact email for Electro Savings CU Visa Gold Credit Card is members@escu.org.
How do people rate the customer service and user experience of Electro Savings CU Visa Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Electro Savings CU Visa Gold Credit Card report your account activity to credit bureaus?
Yes, Electro Savings CU Visa Gold Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Electro Savings Credit Union perform a hard credit pull?
Yes, Electro Savings CU Visa Gold Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Electro Savings CU Visa Gold Credit Card
- Visit the website of Electro Savings CU Visa Gold Credit Card.
- 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 12:00PM
Other Services by Electro Savings Credit Union
Other Credit Cards from Electro Savings Credit Union
Rating not yet determined
Purchase APR
16.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.00%
Disclaimer popup with additional information
Balance Transfer APR
18.00%
Disclaimer popup with additional information
Credit Score Range
570 - 850
300
850
Annual Fee
$25
Rating not yet determined
Purchase APR
14.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.99%
Disclaimer popup with additional information
Balance Transfer APR
9.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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