Elements Financial Federal Credit Union Secured Visa Card Review

Elements Financial Federal Credit Union Secured Visa Card is a rewards credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial Federal Credit Union Secured Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.0% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.

The Good	The Bad
Lower than average purchase APRs. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Elements Financial Federal Credit Union Secured Visa Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1.0%. You don't earn rewards on every purchase.

Is there a Elements Financial Federal Credit Union Secured Visa Card cash back or rewards program?

Elements Financial Federal Credit Union Secured Visa Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Elements Financial Federal Credit Union Secured Visa Card Rewards

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

What are the Elements Financial Federal Credit Union Secured Visa Card benefits?

Elements Financial Federal Credit Union Secured Visa Card provides the following benefits:

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

What are the relevant APRs for Elements Financial Federal Credit Union Secured Visa Card?

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 Secured Visa Card has lower than average purchase APRs.

Elements Financial Federal Credit Union Secured Visa Card has a variable purchase APR starting at 12.99% . The card has a variable balance transfer APR starting at 12.99% . It also has a variable cash advance APR starting at 15.99% .

What are the fees for Elements Financial Federal Credit Union Secured Visa Card?

The following fees apply to Elements Financial Federal Credit Union Secured Visa Card:

Elements Financial Federal Credit Union Secured Visa Card Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1.0%
Returned Payment Fee	up to $25.00
Late Payment Fee	up to $25.00

Does Elements Financial Federal Credit Union Secured Visa Card report your account activity to credit bureaus?

Yes, Elements Financial Federal Credit Union Secured 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 Federal Credit Union Secured Visa Card

• Visit the Elements Financial Federal Credit Union Secured 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.