Last Updated: 07/28/2025
First Pioneers FCU Visa Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
12.75%(Verified 08/22/2024)
Balance Transfer APR (Fixed APR)
12.75%(Verified 08/22/2024)
Credit Score Range
N/A
Annual Fee
$0
First Pioneers FCU Visa Classic Credit Card Review
This is a card issued by First Pioneers Federal Credit Union. If you're wondering whether First Pioneers FCU Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: First Pioneers FCU Visa Classic Credit Card has a fixed purchase APR of 12.75%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of First Pioneers FCU Visa Classic Credit Card
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First Pioneers FCU Visa Classic Credit Card FAQ
Does First Pioneers FCU Visa Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
What are the relevant APRs for First Pioneers FCU Visa Classic 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.First Pioneers FCU Visa Classic Credit Card has a fixed purchase APR of 12.75%. The card has a fixed balance transfer APR of 12.75% . It also has a fixed cash advance APR of 15.00% .
Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does First Pioneers FCU Visa Classic Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 9.75% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 9.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Pioneers FCU Visa Classic Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 9.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 9.75% on qualified purchases for a period of 6 months.
What are the fees for First Pioneers FCU Visa Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $25.00 . Does First Pioneers FCU Visa Classic Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for First Pioneers FCU Visa Classic Credit Card?
The customer service number for First Pioneers FCU Visa Classic Credit Card is (337) 233-8833.
What is the support contact email for First Pioneers FCU Visa Classic Credit Card?
The support contact email for First Pioneers FCU Visa Classic Credit Card is info@firstpioneers.com.
What is the login page for First Pioneers FCU Visa Classic Credit Card?
You can access the login page of First Pioneers FCU Visa Classic Credit Card here.
How do people rate the customer service and user experience of First Pioneers FCU Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Pioneers Federal Credit Union perform a hard credit pull?
Yes, First Pioneers FCU Visa Classic 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 First Pioneers FCU Visa Classic Credit Card
- Visit the website of First Pioneers FCU Visa Classic 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.
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed