SuperMoney
  Elements Financial FCU Butler Visa Card
Elements Financial FCU Butler Visa Card Unaffiliated

Elements Financial FCU Butler Visa Card

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 9 reviews
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 FCU Butler Visa Card Review

This is a cashback credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial FCU Butler Visa 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

  • 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 odds if your credit score is above 580.

Pros & Cons of Elements Financial FCU Butler Visa Card

The Good The Bad
  • Potentially 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 credit.
  • Rewards bonus rate of up to $200 Cash Bonus just by using your card%.
  • Cardholders can earn rewards on their purchases.
  • Elements Financial FCU Butler 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 FCU Butler Visa Card FAQ

Does Elements Financial FCU Butler Visa Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive Earn 1% cash back1 and rewards and show your Butler pride!% cash back on travel, dining, groceries, drugstore purchases, or any other 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 FCU Butler 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 FCU Butler Visa Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Elements Financial FCU Butler Visa Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Elements Financial FCU Butler Visa Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Elements Financial FCU Butler Visa 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.

Elements Financial FCU Butler 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 FCU Butler Visa Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Elements Financial FCU Butler 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 FCU Butler Visa Card have an intro APR offer on new purchases?

Elements Financial FCU Butler Visa Card Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 6 months

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

What are the fees for Elements Financial FCU Butler Visa Card?

The following fees apply:

Elements Financial FCU Butler Visa Card Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $25
Late Payment Fee up to $25

What is the customer service phone number for Elements Financial FCU Butler Visa Card?

The Elements Financial FCU Butler Visa Card customer service number is (800) 621-2105.

What is the support contact email for Elements Financial FCU Butler Visa Card?

The support contact email for Elements Financial FCU Butler Visa Card is customerservice@elfcu.org.

What is the Elements Financial FCU Butler Visa Card login page?

You can access the Elements Financial FCU Butler Visa Card login page here.

How do people rate the customer service and user experience of Elements Financial FCU Butler Visa Card?

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

Does Elements Financial FCU Butler Visa Card report your account activity to credit bureaus?

Yes, Elements Financial FCU Butler 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 FCU Butler Visa Card

  • Visit the Elements Financial FCU Butler 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 FCU Butler 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 FCU Butler Visa Card

Icon for Credit Cards
View all 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

Be the first to rate

 

Would you recommend Elements Financial FCU Butler Visa 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 Credit Cards

Elements Financial Federal Credit Union Credit Cards

Loading...