Hughes Federal Credit Union Visa Gold Credit Card Review

This is a credit card issued by Hughes Federal Credit Union. If you're wondering whether Hughes Federal Credit Union Visa Gold Credit Card 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.

• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good	The Bad
No annual fee. Offers auto rental collision damage waiver. Travel accident insurance. Considers applicants with fair or poor credit. Hughes Federal Credit Union Visa Gold 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.

Does Hughes Federal Credit Union Visa Gold Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Hughes Federal Credit Union Visa Gold Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Hughes Federal Credit Union Visa Gold Credit Card?

It has a variable purchase APR of up to 11.95%.

The card has a variable balance transfer APR of up to 11.95%.

The card has a variable cash advance APR of up to 11.95%.

Note that late payments are subject to an APR of 16.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Hughes Federal Credit Union Visa Gold Credit Card?

The following fees apply:

• An overlimit fee of $20.

Hughes Federal Credit Union Visa Gold Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	up to $30
Late Payment Fee	up to $30

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

Does Hughes Federal Credit Union Visa Gold Credit Card report your account activity to credit bureaus?

Yes, Hughes Federal Credit Union Visa Gold 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 Hughes Federal Credit Union Visa Gold Credit Card

• Visit the Hughes Federal Credit Union Visa Gold 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.