Last Updated: 07/28/2025
Embold FCU Rewards Visa Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.74% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15.74% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Embold FCU Rewards Visa Credit Card Review
This is a rewards card issued by Embold Federal Credit Union. If you're wondering whether Embold FCU Rewards Visa Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Embold FCU Rewards Visa Credit Card has a variable regular purchase APR that ranges from 15.74% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.0% every time you make a transaction outside the U.S.
Pros & Cons of Embold FCU Rewards Visa Credit Card
| The Good | The Bad |
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Embold FCU Rewards Visa Credit Card FAQ
Does Embold FCU Rewards Visa Credit Card have a cash back or rewards program?
Embold FCU Rewards Visa Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Embold FCU Rewards Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Embold FCU Rewards Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Embold FCU Rewards Visa Credit Card benefits?
Embold FCU Rewards Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Embold FCU Rewards Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Embold FCU Rewards Visa Credit Card has a variable purchase APR that ranges from 15.74% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.74% up to 18.00%. It also has a variable cash advance APR that ranges from 15.74% up to 18.00%.
Does Embold FCU Rewards Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Embold FCU Rewards Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Embold FCU Rewards Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $27.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Embold FCU Rewards Visa Credit Card have a foreign transaction fee?
Embold FCU Rewards Visa Credit Card charges a foreign transaction fee of up to 1.0%. 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 Embold FCU Rewards Visa Credit Card?
The customer service number for Embold FCU Rewards Visa Credit Card is (503) 656-0671.
What is the support contact email for Embold FCU Rewards Visa Credit Card?
The support contact email for Embold FCU Rewards Visa Credit Card is memberservice@emboldcu.org.
How do people rate the customer service and user experience of Embold FCU Rewards Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Embold FCU Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, Embold FCU Rewards Visa Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Embold Federal Credit Union perform a hard credit pull?
Yes, Embold FCU Rewards Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Embold FCU Rewards Visa Credit Card
- Visit the website of Embold FCU Rewards Visa Credit Card.
- 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.
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.
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Hours of Operation
SundayClosedMonday9:00AM - 5:30PMTuesday9:00AM - 5:30PMWednesday9:00AM - 5:30PMThursday9:00AM - 5:30PMFriday9:00AM - 5:30PMSaturday9:00AM - 1:00PM
Other Services by Embold Federal Credit Union
Other Credit Cards from Embold Federal Credit Union
Rating not yet determined
Purchase APR
12.50% - 17.50%
Disclaimer popup with additional information
Balance Transfer APR
12.50% - 17.50%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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