Last Updated: 07/28/2025
Metro Credit Union Visa Secured
Unaffiliated
in Credit Cards from Metro Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
Starting at 15.9%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
Starting at 15.9%(Verified 06/21/2024)
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Credit Score Range
500 - 850
Annual Fee
Up to $59
Metro Credit Union Visa Secured Review
This is a secured credit card issued by Metro Credit Union. If you're wondering whether Metro Credit Union Visa Secured is the right card for you, read on.
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Metro Credit Union Visa Secured
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Metro Credit Union Visa Secured FAQ
Does Metro Credit Union Visa Secured have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Reports to major credit bureaus
What are the relevant APRs for Metro Credit Union Visa Secured?
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.Metro Credit Union Visa Secured has a fixed purchase APR starting at 15.9%. The card has a fixed balance transfer APR starting at 15.9% . It also has a fixed cash advance APR starting at 15.9% .
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.Does Metro Credit Union Visa Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Metro Credit Union Visa Secured 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 Metro Credit Union Visa Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $59.
Does Metro Credit Union Visa Secured have a foreign transaction fee?
Metro Credit Union Visa Secured charges a foreign transaction fee of up to 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 Metro Credit Union Visa Secured?
The customer service number for Metro Credit Union Visa Secured is (877) 696-3876.
What is the support contact email for Metro Credit Union Visa Secured?
The support contact email for Metro Credit Union Visa Secured is socialmedia@metrocu.org.
How do people rate the customer service and user experience of Metro Credit Union Visa Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Metro Credit Union Visa Secured report your account activity to credit bureaus?
Yes, Metro Credit Union Visa Secured 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 Metro Credit Union perform a hard credit pull?
Yes, Metro Credit Union Visa Secured 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 Metro Credit Union Visa Secured
- Visit the website of Metro Credit Union Visa Secured.
- 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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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.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
5:00AM - 2:00AM
Tuesday
5:00AM - 2:00AM
Wednesday
5:00AM - 2:00AM
Thursday
5:00AM - 3:00AM
Friday
5:00AM - 3:00AM
Saturday
5:00AM - 10:00AM