Last Updated: 07/28/2025
Elements Financial FCU Indianapolis Visa Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 10.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 10.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
580 - 679
Annual Fee
N/A
Elements Financial FCU Indianapolis Visa Card Review
This is a cashback 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 6 months.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Elements Financial FCU Indianapolis Visa Card
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Elements Financial FCU Indianapolis Visa Card FAQ
Does Elements Financial FCU Indianapolis 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.
| Description |
Does Elements Financial FCU Indianapolis Visa Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Elements Financial FCU Indianapolis Visa Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Elements Financial FCU Indianapolis Visa Card benefits?
Elements Financial FCU Indianapolis Visa Card provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 10.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 25 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Elements Financial FCU Indianapolis Visa Card have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for Elements Financial FCU Indianapolis Visa Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for Elements Financial FCU Indianapolis Visa Card?
The customer service number for Elements Financial FCU Indianapolis Visa Card is (800) 621-2105.
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 login page for Elements Financial FCU Indianapolis Visa Card?
You can access the login page of Elements Financial FCU Indianapolis Visa Card 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 to the following credit bureaus:
- 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 build your credit.
Does Elements Financial Federal Credit Union perform a hard credit pull?
Yes, Elements Financial FCU Indianapolis Visa Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Elements Financial FCU Indianapolis Visa Card
- Visit the website of Elements Financial FCU Indianapolis Visa Card.
- 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.
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