Jax FCU Secured Visa Credit Card

Jax FCU Secured Visa Credit Card Review

This is a credit card issued by Jax Federal Credit Union. If you're wondering whether Jax FCU Secured Visa 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.
• 2% Balance transfer fee. Jax FCU Secured Visa Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
• 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.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

The Good	The Bad
No annual fee. Considers applicants with fair credit. Jax FCU Secured Visa 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. Charges a 2% balance transfer fee. Does not include many credit card benefits.

Does Jax FCU Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Jax FCU Secured Visa Credit Card benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Jax FCU Secured Visa Credit Card?

It has a variable purchase APR of up to 13.90%.

The card has a variable balance transfer APR of up to 13.90%.

The card has a variable cash advance APR of up to 13.90%.

Note that late payments are subject to an APR of 18% 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 Jax FCU Secured Visa Credit Card?

The following fees apply:

• There is no overlimit fee

Jax FCU Secured Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

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

Does Jax FCU Secured Visa Credit Card report your account activity to credit bureaus?

Yes, Jax FCU Secured Visa Credit Card reports your account activity to the following credit reporting agencies:

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 Jax FCU Secured Visa Credit Card

• Visit the Jax FCU Secured Visa 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.