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  Frontwave Credit Union Visa Classic

Frontwave Credit Union Visa Classic

in Personal Credit Cards from Frontwave Credit Union

Unaffiliated

Frontwave Credit Union Visa Classic

Unaffiliated

in Personal Credit Cards from Frontwave Credit Union

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Fixed APR) 13% - 21%
Balance Transfer APR  (Fixed APR) 13% - 21%
Credit Score Range 600 - 850
Annual Fee $0

Frontwave Credit Union Visa Classic Review

This is a credit card issued by Frontwave Credit Union. If you're wondering whether Frontwave Credit Union 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.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. Frontwave Credit Union Visa Classic has a fixed purchase APR that ranges from 13% up to 21%.
  • 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.
  • 3% Balance transfer fee. Frontwave Credit Union Visa Classic charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Frontwave Credit Union Visa Classic
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Frontwave Credit Union Visa Classic 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.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Frontwave Credit Union Visa Classic FAQ

Does Frontwave Credit Union Visa Classic have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Frontwave Credit Union Visa Classic benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Frontwave Credit Union 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 fixed purchase APR that ranges from 13% up to 21%. The card has a fixed balance transfer APR that ranges from 13% up to 21%. It also has a fixed cash advance APR that ranges from 15% up to 23%.

Does Frontwave Credit Union Visa Classic have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Frontwave Credit Union Visa Classic Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13% - 21%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Frontwave Credit Union Visa Classic have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Frontwave Credit Union Visa Classic?

The following fees apply:

Frontwave Credit Union Visa Classic Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $29
Late Payment Fee up to $10

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

Does Frontwave Credit Union Visa Classic have a foreign transaction fee?

Frontwave Credit Union Visa Classic 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 foreign transaction fees.

What is the customer service phone number for Frontwave Credit Union Visa Classic?

The Frontwave Credit Union Visa Classic customer service number is (800) 736-4500.

What is the support contact email for Frontwave Credit Union Visa Classic?

The support contact email for Frontwave Credit Union Visa Classic is support@frontwavecu.com.

How do people rate the customer service and user experience of Frontwave Credit Union Visa Classic?

Overall, Frontwave Credit Union Visa Classic is strongly recommended based on community reviews that rate customer service and user experience.

Does Frontwave Credit Union Visa Classic report your account activity to credit bureaus?

Yes, Frontwave Credit Union 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 Frontwave Credit Union Visa Classic

  • Visit the Frontwave Credit Union 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.

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 - 5:00pm
  • Saturday 9:00am - 4:00pm

About Frontwave Credit Union Visa Classic

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View all personal credit cards offered by Frontwave Credit Union

Availability

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

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $29
Late Fee Amount Up to $10
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 15% - 23%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Fixed APR) 13% - 21%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 12 months
Balance Transfer APR (Fixed APR) 13% - 21%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Low Interest
Card Network Visa

Frontwave Credit Union Visa Classic Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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