Last Updated: 07/28/2025
Ironworkers USA FCU Visa® Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
8.99% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
8.99% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Ironworkers USA FCU Visa® Classic Credit Card Review
This is a card issued by Ironworkers USA Federal Credit Union. If you're wondering whether Ironworkers USA FCU Visa® Classic Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Ironworkers USA FCU Visa® Classic Credit Card has a fixed purchase APR that ranges from 8.99% up to 18.00%.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel accident insurance, and fraud protection.
Pros & Cons of Ironworkers USA FCU Visa® Classic Credit Card
| The Good | The Bad |
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Ironworkers USA FCU Visa® Classic Credit Card FAQ
Does Ironworkers USA FCU Visa® Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Ironworkers USA 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.Ironworkers USA FCU Visa® Classic Credit Card has a fixed purchase APR that ranges from 8.99% up to 18.00%. The card has a fixed balance transfer APR that ranges from 8.99% up to 18.00%. It also has a fixed cash advance APR that ranges from 8.99% up to 18.00%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Ironworkers USA FCU Visa® Classic Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 8.99% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Ironworkers USA FCU Visa® Classic Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Ironworkers USA FCU Visa® Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Ironworkers USA FCU Visa® Classic Credit Card?
The customer service number for Ironworkers USA FCU Visa® Classic Credit Card is (503) 774-3848.
What is the login page for Ironworkers USA FCU Visa® Classic Credit Card?
You can access the login page of Ironworkers USA FCU Visa® Classic Credit Card here.
How do people rate the customer service and user experience of Ironworkers USA FCU Visa® Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Ironworkers USA FCU Visa® Classic Credit Card report your account activity to credit bureaus?
Yes, Ironworkers USA 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 Ironworkers USA Federal Credit Union perform a hard credit pull?
Yes, Ironworkers USA 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 Ironworkers USA FCU Visa® Classic Credit Card
- Visit the website of Ironworkers USA 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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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
Closed