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  Marriott Employees Federal Credit Union VISA Student Advantage

Marriott Employees Federal Credit Union VISA Student Advantage

in Personal Credit Cards from Marriott Employees Federal Credit Union

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Marriott Employees Federal Credit Union VISA Student Advantage

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in Personal Credit Cards from Marriott Employees Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 15.8%
Balance Transfer APR  (Fixed APR) Starting at 15.8%
Credit Score Range 550 - 850
Annual Fee $0

Marriott Employees Federal Credit Union VISA Student Advantage Review

This is a credit card issued by Marriott Employees Federal Credit Union. If you're wondering whether Marriott Employees Federal Credit Union VISA Student Advantage 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
  • 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. Marriott Employees Federal Credit Union VISA Student Advantage charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • 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 good approval odds.
Pros & Cons of Marriott Employees Federal Credit Union VISA Student Advantage
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Marriott Employees Federal Credit Union VISA Student Advantage 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.
Marriott Employees Federal Credit Union VISA Student Advantage FAQ

Does Marriott Employees Federal Credit Union VISA Student Advantage have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Marriott Employees Federal Credit Union VISA Student Advantage?

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 starting at 15.8% . The card has a fixed balance transfer APR starting at 15.8% . It also has a fixed cash advance APR starting at 15.8% .

Does Marriott Employees Federal Credit Union VISA Student Advantage have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Marriott Employees Federal Credit Union VISA Student Advantage 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 Marriott Employees Federal Credit Union VISA Student Advantage?

The following fees apply:

Marriott Employees Federal Credit Union VISA Student Advantage Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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

Does Marriott Employees Federal Credit Union VISA Student Advantage have a foreign transaction fee?

Marriott Employees Federal Credit Union VISA Student Advantage 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 Marriott Employees Federal Credit Union VISA Student Advantage?

The Marriott Employees Federal Credit Union VISA Student Advantage customer service number is (800) 821-7280.

Does Marriott Employees Federal Credit Union VISA Student Advantage report your account activity to credit bureaus?

Yes, Marriott Employees Federal Credit Union VISA Student Advantage 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 Marriott Employees Federal Credit Union VISA Student Advantage

  • Visit the Marriott Employees Federal Credit Union VISA Student Advantage 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.

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About Marriott Employees Federal Credit Union VISA Student Advantage

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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 25 days
Cash Advance Fee (%) Starting at 3%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Student
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 550 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 15.8%
Balance Computation average daily balance (including new transactions).
Credit Limit Up to $500
Purchase APR (Fixed APR) Starting at 15.8%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer APR (Fixed APR) Starting at 15.8%
Balance Transfer Fee % 3%
Card Type
  • Student
  • Low Interest
Card Network Visa

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