First Reliance FCU Secured Mastercard Credit Card

First Reliance FCU Secured Mastercard Credit Card Review

This is a secured credit card card issued by First Reliance FCU. If you're wondering whether First Reliance FCU Secured Mastercard Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. First Reliance FCU Secured Mastercard Credit Card has a fixed purchase APR of 16.9%
• 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.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of First Reliance FCU Secured Mastercard Credit Card

First Reliance FCU Secured Mastercard Credit Card FAQ

Does First Reliance FCU Secured Mastercard Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the First Reliance FCU Secured Mastercard Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for First Reliance FCU Secured Mastercard Credit Card?

First Reliance FCU Secured Mastercard Credit Card has a fixed purchase APR of 16.9%. The card has a fixed balance transfer APR of 16.9% . It also has a fixed cash advance APR of 16.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for First Reliance FCU Secured Mastercard Credit Card?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does First Reliance FCU Secured Mastercard Credit Card report your account activity to credit bureaus?

Yes, First Reliance FCU Secured Mastercard Credit 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 First Reliance FCU Secured Mastercard Credit Card

• Visit the First Reliance FCU Secured Mastercard Credit 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.