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  Elements Financial Federal Credit Union Riley Children Foundation Visa

Elements Financial Federal Credit Union Riley Children Foundation Visa

in Personal Credit Cards from Elements Financial Federal Credit Union

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Elements Financial Federal Credit Union Riley Children Foundation Visa

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in Personal Credit Cards from Elements Financial Federal Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 8.99%
Balance Transfer APR  (Variable APR) Starting at 8.99%
Credit Score Range 580 - 679
Annual Fee N/A

Elements Financial Federal Credit Union Riley Children Foundation Visa Review

Elements Financial Federal Credit Union Riley Children Foundation Visa is a credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial Federal Credit Union Riley Children Foundation Visa is the right card for you, read on. This is everything you need to know 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.
  • 1% Balance transfer fee. Elements Financial Federal Credit Union Riley Children Foundation Visa charges a fee of 1% on balance transfers. For example, a balance of $1,000 could cost $10 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% 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 oods if your credit score is above580.
Elements Financial Federal Credit Union Riley Children Foundation Visa Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Elements Financial Federal Credit Union Riley Children Foundation Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Charges a 1% balance transfer fee.
Elements Financial Federal Credit Union Riley Children Foundation Visa FAQ

Is there a Elements Financial Federal Credit Union Riley Children Foundation Visa cash back or rewards program?

No, Elements Financial Federal Credit Union Riley Children Foundation Visa does not offer a rewards program.

What are the Elements Financial Federal Credit Union Riley Children Foundation Visa benefits?

Elements Financial Federal Credit Union Riley Children Foundation Visa provides the following benefits:

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

What are the relevant APRs for Elements Financial Federal Credit Union Riley Children Foundation Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Elements Financial Federal Credit Union Riley Children Foundation Visa has lower than average purchase APRs.

Elements Financial Federal Credit Union Riley Children Foundation Visa has a variable purchase APR starting at 8.99% . The card has a variable balance transfer APR starting at 8.99% . It also has a variable cash advance APR starting at 8.99% .

Does Elements Financial Federal Credit Union Riley Children Foundation Visa have an introductory APR offer on balance transfers?

Yes, Elements Financial Federal Credit Union Riley Children Foundation Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Elements Financial Federal Credit Union Riley Children Foundation Visa Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR Starting at 8.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 1%

Does Elements Financial Federal Credit Union Riley Children Foundation Visa have an introductory APR offer on new purchases?

Elements Financial Federal Credit Union Riley Children Foundation Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Elements Financial Federal Credit Union Riley Children Foundation Visa?

The following fees apply to Elements Financial Federal Credit Union Riley Children Foundation Visa:

Elements Financial Federal Credit Union Riley Children Foundation Visa Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25.00
Late Payment Fee up to $25

Does Elements Financial Federal Credit Union Riley Children Foundation Visa have a foreign transaction fee?

Elements Financial Federal Credit Union Riley Children Foundation Visa charges a foreign transaction fee of 1%. 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 a foreign transaction fee.

Does Elements Financial Federal Credit Union Riley Children Foundation Visa report your account activity to credit bureaus?

Yes, Elements Financial Federal Credit Union Riley Children Foundation Visa 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 Federal Credit Union Riley Children Foundation Visa

  • Visit the Elements Financial Federal Credit Union Riley Children Foundation Visa 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 Federal Credit Union Riley Children Foundation Visa'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 Federal Credit Union Riley Children Foundation Visa

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View all personal 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 (Variable APR) 6 months
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25.00
Late Fee Amount Up to $25
Customer Type Personal
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
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 8.99%
Balance Computation We use a method called "Average Daily Balance (including new purchases)."
Purchase APR (Variable APR) Starting at 8.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) Starting at 8.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 1%
Card Type
  • Travel
Card Network Visa

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