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.

• 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.

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.

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% .

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 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.