Elements Financial FCU Indianapolis Visa Card

Elements Financial FCU Indianapolis Visa Card Review

This is a cashback 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% 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 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 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. There is then a variable purchase APR starting at 10.99% . Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair credit. Cardholders can earn rewards on purchases everywhere Elements Financial FCU Indianapolis Visa Card is accepted. Elements Financial FCU Indianapolis Visa Card reports to multiple credit bureaus.

Does not offer a signup bonus.

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.

Elements Financial FCU Indianapolis Visa Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Elements Financial FCU Indianapolis 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 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% .

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

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:

• 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 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.