Elements Financial FCU Reward Visa Card
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| 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.
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 |
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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:
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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:
| 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 customer service phone number for Elements Financial FCU Reward Visa Card?
The Elements Financial FCU Reward Visa Card customer service number is (800) 621-2105.
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.
Contact
- Headquarters
-
225 S East St #300
Indianapolis, IN 46202 USA - (800) 621-2105
- Visit Site
- Email Support
About Elements Financial FCU Reward Visa Card
Availability
Feature Breakdown
| Foreign Currency Transaction Fee | 1.0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to 25.00 |
| Late Fee Amount | Up to 25.00 |
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