Elements Financial FCU Butler Visa Card

Elements Financial FCU Butler Visa Card Review

This is a cashback 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.

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. There is then a variable purchase APR starting at 12.99% . 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	$200 Cash Bonus just by using your cardx
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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% .

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

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.