Frontwave Credit Union Visa Classic Review

Frontwave Credit Union Visa Classic 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 is everything you need to know to make a good choice.

• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• 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.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 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. Does not include many credit card benefits.

Is there a Frontwave Credit Union Visa Classic cash back or rewards program?

No, Frontwave Credit Union Visa Classic does not offer a rewards program.

What are the Frontwave Credit Union Visa Classic benefits?

Frontwave Credit Union Visa Classic 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Frontwave Credit Union Visa Classic has lower than average purchase APRs.

Frontwave Credit Union Visa Classic 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%.

What are the fees for Frontwave Credit Union Visa Classic?

The following fees apply to Frontwave Credit Union Visa Classic:

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

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.