Elements Financial FCU Signature Rewards Card

Elements Financial FCU Signature Rewards Card Review

This is a rewards card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial FCU Signature Rewards 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.
• Competitive APRs. Elements Financial FCU Signature Rewards Card has a variable purchase APR that ranges from 8.99% up to 10.99%.
• 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.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Elements Financial FCU Signature Rewards 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. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Cardholders can earn rewards on their purchases. Elements Financial FCU Signature Rewards Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. You don't earn rewards on every purchase.

Elements Financial FCU Signature Rewards Card FAQ

Does Elements Financial FCU Signature Rewards Card have a cash back or rewards program?

Elements Financial FCU Signature Rewards Card is a rewards card. This card features rewards for purchases in the following categories:

Elements Financial FCU Signature Rewards 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 Signature Rewards Card benefits?

It 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 FCU Signature Rewards 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 Signature Rewards Card has a variable purchase APR that ranges from 8.99% up to 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 Signature Rewards Card?

The following fees apply:

Elements Financial FCU Signature Rewards Card Fees

Fees	Amount
Annual Fee
Returned Payment Fee	up to $25.00
Late Payment Fee	up to $25.00

Does Elements Financial FCU Signature Rewards Card report your account activity to credit bureaus?

Yes, Elements Financial FCU Signature Rewards 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 Signature Rewards Card

• Visit the Elements Financial FCU Signature Rewards 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.