Elements Financial FCU Children Foundation Visa
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| 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 FCU Children Foundation Visa Review
This is a credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial FCU Children Foundation Visa 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.
- 1% Balance transfer fee. Elements Financial FCU 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 odds if your credit score is above 580.
Pros & Cons of Elements Financial FCU Children Foundation Visa
| The Good | The Bad |
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Elements Financial FCU Children Foundation Visa FAQ
Does Elements Financial FCU Children Foundation Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Elements Financial FCU Children Foundation Visa 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 Children Foundation Visa?
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 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 FCU Children Foundation Visa 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.
| 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 FCU Children Foundation Visa 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 up to 6 months.
What are the fees for Elements Financial FCU Children Foundation Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25.00 |
| Late Payment Fee | up to $25 |
Does Elements Financial FCU Children Foundation Visa have a foreign transaction fee?
Elements Financial FCU 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 foreign transaction fees.What is the customer service phone number for Elements Financial FCU Children Foundation Visa?
The Elements Financial FCU Children Foundation Visa customer service number is (800) 621-2105.
What is the support contact email for Elements Financial FCU Children Foundation Visa?
The support contact email for Elements Financial FCU Children Foundation Visa is customerservice@elfcu.org.
What is the Elements Financial FCU Children Foundation Visa login page?
You can access the Elements Financial FCU Children Foundation Visa login page here.
How do people rate the customer service and user experience of Elements Financial FCU Children Foundation Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Elements Financial FCU Children Foundation Visa report your account activity to credit bureaus?
Yes, Elements Financial FCU 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 FCU Children Foundation Visa
- Visit the Elements Financial FCU 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.
Contact
- Headquarters
-
225 S East St #300
Indianapolis, IN 46202 USA - (800) 621-2105
- Visit Site
- Email Support
About Elements Financial FCU Children Foundation Visa
Availability
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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