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  Elements Financial FCU Indianapolis Visa Card
Elements Financial FCU Indianapolis Visa Card Unaffiliated

Elements Financial FCU Indianapolis Visa Card

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Highlights
Purchase APR Starting at 10.99%
Balance Transfer APR Starting at 10.99%
Credit Score Range 580 - 679
Annual Fee N/A

Elements Financial FCU Indianapolis Visa Card Review

This is a credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial FCU Indianapolis 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 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 Indianapolis 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, if you transfer the balance within 25 days. -->.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Considers applicants with fair credit.
  • Elements Financial FCU Indianapolis Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Elements Financial FCU Indianapolis Visa Card FAQ

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

No, it does not offer a rewards program.

What are the Elements Financial FCU Indianapolis Visa Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Elements Financial FCU Indianapolis 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 Indianapolis Visa Card has a variable purchase APR starting at 10.99% . The card has a variable balance transfer APR starting at 10.99% . It also has a variable cash advance APR starting at 15.99% .

Does Elements Financial FCU Indianapolis 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 Indianapolis Visa Card Balance Transfers
Description
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR Starting at 10.99%

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

Elements Financial FCU Indianapolis 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 Indianapolis Visa Card?

The following fees apply:

Elements Financial FCU Indianapolis Visa Card Fees
Fees Amount
Annual Fee

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

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

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

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

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

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

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

Yes, Elements Financial FCU Indianapolis Visa Card reports your account activity to the following credit reporting agencies:

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 Indianapolis Visa Card

  • Visit the Elements Financial FCU Indianapolis 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 Indianapolis 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 Indianapolis 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

Introductory Rate 0%
Purchase Intro APR Period 6 months
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
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
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • Travel
  • Every Purchase
  • Select Merchants
Cash Advance APR Starting at 15.99%
Balance Computation We use a method called "Average Daily Balance (including new purchases)."
Purchase APR Starting at 10.99%
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR Starting at 10.99%
Card Type
  • Rewards
  • Cashback
  • Bonus Offers
Card Network Visa

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Elements Financial Federal Credit Union Credit Cards

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