Last Updated: 07/28/2025
Franklin Trust FCU Visa Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
15.99%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
15.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
N/A
Franklin Trust FCU Visa Classic Credit Card Review
This is a card issued by Franklin Trust Federal Credit Union. If you're wondering whether Franklin Trust FCU Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Franklin Trust FCU Visa Classic Credit Card has a fixed purchase APR of 15.99%
- 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.
- Accepts cosigners. Franklin Trust Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
Pros & Cons of Franklin Trust FCU Visa Classic Credit Card
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Franklin Trust FCU Visa Classic Credit Card FAQ
Does Franklin Trust FCU Visa Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Franklin Trust 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.Franklin Trust FCU Visa Classic Credit Card has a fixed purchase APR of 15.99%. The card has a fixed balance transfer APR of 15.99% . It also has a fixed cash advance APR of 15.99% .
Does Franklin Trust FCU Visa Classic Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 6.75% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 6.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Franklin Trust FCU Visa Classic Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 6.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 6.75% on qualified purchases for a period of 6 months.
What are the fees for Franklin Trust FCU Visa Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Franklin Trust 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 Franklin Trust FCU Visa Classic Credit Card?
The customer service number for Franklin Trust FCU Visa Classic Credit Card is (860) 296-4379.
What is the support contact email for Franklin Trust FCU Visa Classic Credit Card?
The support contact email for Franklin Trust FCU Visa Classic Credit Card is ftfcu@franklintrust.org.
What is the login page for Franklin Trust FCU Visa Classic Credit Card?
You can access the login page of Franklin Trust FCU Visa Classic Credit Card here.
How do people rate the customer service and user experience of Franklin Trust FCU Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Franklin Trust FCU Visa Classic Credit Card report your account activity to credit bureaus?
Yes, Franklin Trust FCU Visa Classic 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 Franklin Trust Federal Credit Union perform a hard credit pull?
Yes, Franklin Trust 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 Franklin Trust FCU Visa Classic Credit Card
- Visit the website of Franklin Trust 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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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.
Hours of Operation
Sunday
Closed
Monday
7:30AM - 4:30PM
Tuesday
7:30AM - 4:30PM
Wednesday
10:00AM - 1:00PM
Thursday
7:30AM - 5:30PM
Friday
7:30AM - 4:30PM
Saturday
9:00AM - 12:00PM