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  Elements Financial Federal Credit Union Butler University Rewards Visa Card

Elements Financial Federal Credit Union Butler University Rewards Visa Card

in Personal Credit Cards from Elements Financial Federal Credit Union

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Elements Financial Federal Credit Union Butler University Rewards Visa Card

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in Personal Credit Cards from Elements Financial Federal Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 12.99
Balance Transfer APR  (Variable APR) Starting at 12.99
Credit Score Range 580 - 679
Annual Fee N/A

Elements Financial Federal Credit Union Butler University Rewards Visa Card Review

Elements Financial Federal Credit Union Butler University Rewards Visa Card is a cashback credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial Federal Credit Union Butler University Rewards Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above580.
Elements Financial Federal Credit Union Butler University Rewards Visa Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Rewards bonus rate of up to $200 Cash Bonus just by using your card%.
  • Cardholders can earn rewards on their purchases.
  • Elements Financial Federal Credit Union Butler University Rewards Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Rewards bonus rate of only $200 Cash Bonus just by using your card% on most everyday purchases. Terms apply*.
  • You don't earn rewards on every purchase.
Elements Financial Federal Credit Union Butler University Rewards Visa Card FAQ

Is there a Elements Financial Federal Credit Union Butler University Rewards Visa Card cash back or rewards program?

Elements Financial Federal Credit Union Butler University Rewards Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Elements Financial Federal Credit Union Butler University Rewards Visa Card you receive Earn 1% cash back1 and rewards and show your Butler pride!% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $0 back in cash. However, you can earn up to $200 Cash Bonus just by using your card% for purchases in a bonus category.

Elements Financial Federal Credit Union Butler University Rewards Visa Card Rewards
Minimum rewards rate Earn 1% cash back1 and rewards and show your Butler pride!x
Max rewards rate $200 Cash Bonus just by using your cardx
Annual rewards limit N/A

Does Elements Financial Federal Credit Union Butler University Rewards Visa Card have a signup bonus?

Elements Financial Federal Credit Union Butler University Rewards Visa Card doesn't offer a cash signup bonus.

Does Elements Financial Federal Credit Union Butler University Rewards Visa Card offer an annual loyalty bonus?

Elements Financial Federal Credit Union Butler University Rewards Visa Card doesn't offer a cash loyalty bonus.

What are the Elements Financial Federal Credit Union Butler University Rewards Visa Card benefits?

Elements Financial Federal Credit Union Butler University Rewards Visa Card provides the following benefits:

  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Elements Financial Federal Credit Union Butler University Rewards Visa 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. Elements Financial Federal Credit Union Butler University Rewards Visa Card has lower than average purchase APRs.

Elements Financial Federal Credit Union Butler University Rewards Visa Card has a variable purchase APR starting at 12.99% . The card has a variable balance transfer APR starting at 12.99% . It also has a variable cash advance APR starting at 15.99% .

Does Elements Financial Federal Credit Union Butler University Rewards Visa Card have an introductory APR offer on balance transfers?

Yes, Elements Financial Federal Credit Union Butler University Rewards Visa Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Elements Financial Federal Credit Union Butler University Rewards Visa Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 12.99
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 6 months
Balance Transfer APR Starting at 12.99

Does Elements Financial Federal Credit Union Butler University Rewards Visa Card have an introductory APR offer on new purchases?

Elements Financial Federal Credit Union Butler University Rewards Visa Card Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 6 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Elements Financial Federal Credit Union Butler University Rewards Visa Card?

The following fees apply to Elements Financial Federal Credit Union Butler University Rewards Visa Card:

Elements Financial Federal Credit Union Butler University Rewards Visa Card Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Elements Financial Federal Credit Union Butler University Rewards Visa Card report your account activity to credit bureaus?

Yes, Elements Financial Federal Credit Union Butler University Rewards Visa 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 Elements Financial Federal Credit Union Butler University Rewards Visa Card

  • Visit the Elements Financial Federal Credit Union Butler University Rewards Visa 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 Elements Financial Federal Credit Union Butler University Rewards Visa 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 1:00pm
  • Tuesday Closed
  • Wednesday 8:00am - 1:00pm
  • Thursday Closed
  • Friday 8:00am - 1:00pm
  • Saturday Closed

About Elements Financial Federal Credit Union Butler University Rewards Visa Card

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View all personal credit cards offered by Elements Financial Federal Credit Union

Availability

  Available in 1 state
Indiana
Availabile in all of Indiana

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 6 months
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 5.00
Returned Payment Fee Up to 25
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 580 - 679
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 15.99
Balance Computation We use a method called "Average Daily Balance (including new purchases).
Purchase APR (Variable APR) Starting at 12.99
Balance Transfer Fee % After Intro Period Starting at 12.99
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) Starting at 12.99
Card Type
  • Rewards
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

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