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  Elements Financial FCU Reward Visa Card
Elements Financial FCU Reward Visa Card Unaffiliated

Elements Financial FCU Reward Visa Card

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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 600 - 699
Annual Fee N/A

Elements Financial FCU Reward Visa Card Review

This is a rewards credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial FCU Reward 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
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.0% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Elements Financial FCU Reward Visa Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Elements Financial FCU Reward Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.0%.
  • You don't earn rewards on every purchase.
Elements Financial FCU Reward Visa Card FAQ

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

Elements Financial FCU Reward Visa Card is a rewards card. This card features rewards for purchases in the following categories:

Elements Financial FCU Reward Visa Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Elements Financial FCU Reward Visa Card have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Elements Financial FCU Reward Visa Card benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Elements Financial FCU Reward 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 Reward 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 Reward Visa Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Elements Financial FCU Reward Visa 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 Elements Financial FCU Reward Visa Card?

The following fees apply:

Elements Financial FCU Reward Visa Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.0%
Returned Payment Fee up to $25.00
Late Payment Fee up to $25.00

Does Elements Financial FCU Reward Visa Card have a foreign transaction fee?

Elements Financial FCU Reward Visa Card charges a foreign transaction fee of 1.0%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

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

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

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

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

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

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

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

Yes, Elements Financial FCU Reward 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 Reward Visa Card

  • Visit the Elements Financial FCU Reward 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 Reward 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 Reward Visa Card

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View all credit cards offered by Elements Financial Federal Credit Union

Availability

  Available in 1 state
Indiana
Availabile in all of Indiana

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.0
Returned Payment Fee Up to 25.00
Late Fee Amount Up to 25.00
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 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • 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 APR (Variable APR) Starting at 12.99
Card Type
  • Rewards
Card Network Visa

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