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  FirstLight Federal Credit Union Visa Secured Platinum Credit Card

FirstLight Federal Credit Union Visa Secured Platinum Credit Card

in Personal Credit Cards from FirstLight Federal Credit Union

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FirstLight Federal Credit Union Visa Secured Platinum Credit Card

Unaffiliated

in Personal Credit Cards from FirstLight Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 14.9%
Balance Transfer APR  (Variable APR) 14.9%
Credit Score Range 500 - 850
Annual Fee $0

FirstLight Federal Credit Union Visa Secured Platinum Credit Card Review

FirstLight Federal Credit Union Visa Secured Platinum Credit Card is a credit card issued by FirstLight Federal Credit Union. If you're wondering whether FirstLight Federal Credit Union Visa Secured Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. FirstLight Federal Credit Union Visa Secured Platinum Credit Card has a variable purchase APR of 14.9%
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
FirstLight Federal Credit Union Visa Secured Platinum Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • FirstLight Federal Credit Union Visa Secured Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
FirstLight Federal Credit Union Visa Secured Platinum Credit Card FAQ

Is there a FirstLight Federal Credit Union Visa Secured Platinum Credit Card cash back or rewards program?

No, FirstLight Federal Credit Union Visa Secured Platinum Credit Card does not offer a rewards program.

What are the FirstLight Federal Credit Union Visa Secured Platinum Credit Card benefits?

FirstLight Federal Credit Union Visa Secured Platinum Credit Card provides the following benefits:

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

What are the relevant APRs for FirstLight Federal Credit Union Visa Secured Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. FirstLight Federal Credit Union Visa Secured Platinum Credit Card has lower than average purchase APRs.

FirstLight Federal Credit Union Visa Secured Platinum Credit Card has a variable purchase APR of 14.9%. The card has a variable balance transfer APR of 14.9% . It also has a variable cash advance APR of 17.9% .

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

Does FirstLight Federal Credit Union Visa Secured Platinum Credit Card have an introductory APR offer on balance transfers?

No, FirstLight Federal Credit Union Visa Secured Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does FirstLight Federal Credit Union Visa Secured Platinum Credit Card have an introductory APR offer on new purchases?

FirstLight Federal Credit Union Visa Secured Platinum Credit Card does not offer an introductory rate on new purchases.

What are the fees for FirstLight Federal Credit Union Visa Secured Platinum Credit Card?

The following fees apply to FirstLight Federal Credit Union Visa Secured Platinum Credit Card:

  • There is no overlimit fee
FirstLight Federal Credit Union Visa Secured Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $32
Late Payment Fee up to $25

Does FirstLight Federal Credit Union Visa Secured Platinum Credit Card have a foreign transaction fee?

FirstLight Federal Credit Union Visa Secured Platinum Credit Card charges a foreign transaction fee of 1%. 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 a foreign transaction fee.

Does FirstLight Federal Credit Union Visa Secured Platinum Credit Card report your account activity to credit bureaus?

Yes, FirstLight Federal Credit Union Visa Secured Platinum 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 FirstLight Federal Credit Union Visa Secured Platinum Credit Card

  • Visit the FirstLight Federal Credit Union Visa Secured Platinum 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 3:00pm

About FirstLight Federal Credit Union Visa Secured Platinum Credit Card

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View all personal credit cards offered by FirstLight Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $1
Returned Payment Fee Up to $32
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 17.9%
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.9%
Balance Transfer APR (Variable APR) 14.9%
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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