FedEx Employees Credit Association Visa Classic Review

This is a rewards credit card issued by FedEx Employees Credit Association. If you're wondering whether FedEx Employees Credit Association Visa Classic is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Competitive APRs. FedEx Employees Credit Association Visa Classic has a variable purchase APR that ranges from 8.90% up to 18.00%.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good	The Bad
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.90%. No balance transfer fee. 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. FedEx Employees Credit Association Visa Classic reports to multiple credit bureaus.	Does not offer a signup bonus. You don't earn rewards on every purchase.

Does FedEx Employees Credit Association Visa Classic have a cash back or rewards program?

FedEx Employees Credit Association Visa Classic is a rewards card. This card features rewards for purchases in the following categories:

FedEx Employees Credit Association Visa Classic Rewards

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

What are the FedEx Employees Credit Association Visa Classic 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 FedEx Employees Credit Association Visa Classic?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.90% up to 18.00%. The card has a variable balance transfer APR that ranges from 8.90% up to 18.00%. It also has a variable cash advance APR that ranges from 8.90% up to 18.00%.

What are the fees for FedEx Employees Credit Association Visa Classic?

The following fees apply:

FedEx Employees Credit Association Visa Classic Fees

Fees	Amount
Annual Fee
Returned Payment Fee	up to $28.00
Late Payment Fee	up to $25.00

Does FedEx Employees Credit Association Visa Classic report your account activity to credit bureaus?

Yes, FedEx Employees Credit Association Visa Classic 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 FedEx Employees Credit Association Visa Classic

• Visit the FedEx Employees Credit Association Visa Classic 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.